SAGE Scholars Tuition Rewards Program - Return of Premium Life Insurance

Size: px
Start display at page:

Download "SAGE Scholars Tuition Rewards Program - Return of Premium Life Insurance"

Transcription

1 c a s h b a c k life insurance

2 What is Cashback Life? Return of Premium

3 I am more concerned with the return of my money than the return on my money. Mark Twain Cashback Life 20 and 30 address both of Mark Twain s concerns... Return of my money and Return on my money

4 Cashback Life 20 and 30 offer an excellent alternative to traditional term life insurance.

5 What is traditional term life insurance? Simplest form of life insurance Lowest cost life insurance Provides coverage for a specified period of time i.e., 10, 15, 20 or 30 years No Return of Premium!

6 What happens at the end of the policy s term period? You have two choices: Cancel the policy Pay the prohibitively expensive renewal premiums

7 How is Cashback Life different? At the end of the Cashback Life policy s term period you have four choices: Pay the prohibitively expensive renewal premiums* Cancel the policy and receive 100 percent of the premiums** paid a return of your money Apply for a guaranteed reduced paid-up policy* Apply for an extended term policy which will carry the original death benefit for a guaranteed period of time* *Cashback Life series may not be available in all states and not all states may have the same version. **Excludes riders and substandard premiums.

8 How Cashback Life works... Death Benefit money All your money is returned!* 20 or 30 years Cumulative Premium Cash Value t ime *Excludes riders and substandard premiums.

9 Which type of life insurance protection is best for you? It depends on how long you plan on keeping the coverage in force. When comparing ongoing premium payments of the two types of life insurance policies, there will be a year in which the total net cost of the Cashback Life becomes less than the total net cost of a traditional term policy. This is referred to as the Crossover Point.

10 How the Crossover Point works... Male Age 30 Standard Nontobacco $250,000 Premiums Level 20 Term: $32 monthly premium Cashback Life 20: $66.87 monthly premium Level 20 Cashback Life 20 Premium Total Premium Cash Total Age Year Outlay Net Cost Outlay Value Net Cost , , , , , condensed for example , , , , , , , , , , , , Crossover Point* In this example, if the insured plans on keeping the coverage in force for 12 years or longer his total net cost is less with the Cashback Life 20. *The crossover point may be shorter or longer based on age, gender and rate class.

11 What if... Could you do better buying the lower cost term and saving the difference? Perhaps... Let s look at the 30-year-old male again. $250,000 Life Insurance Level 20 Term Insurance Cashback Life 20 $32 monthly premium $66.87 monthly premium Difference = $34.87 If still living in 20 years, receive $0. If still living in 20 years, receive $16,050 tax-free. *The before tax return may be higher or lower based on age, gender and rate class. Assuming a 30% tax bracket this equates to a 8.37 percent return*.

12 Can you access the policy s cash value before the end of the 20 or 30 years? Yes. You can borrow funds from the Cashback Life 20 or 30 policy in the event of an emergency cash need such as making a mortgage payment.* *If available, loans reduce the Cashback Life s death benefit and cash value available for use.

13 Do you have options other than taking the money? Yes. The Cashback Life 20 and 30 offer two nonforfeiture options.

14 Paid-Up Insurance Nonforfeiture Option Male Age 30 Standard Nontobacco $250,000 Cashback Life 20 $66.87 Monthly Premium Table of Guaranteed Values End of Cash or Paid-Up Policy Year Loan Value Insurance 1 $0 $0 2 $0 $0 3 $0 $0 4 $500 $3,750 5 $500 $3,500 6 $ $4,250 7 $1, $8,250 8 $2, $12,750 9 $2, $16, $3, $18, $4, $23, $5, $28, $6, $32, $7, $36, $8, $40, $10, $44, $11, $48, $13, $52, $14, $56, $16, $59,250 Not all states will have the same version of the Cashback Life series.

15 Extended Term Insurance Nonforfeiture Option Male Age 30 Standard Nontobacco $250,000 Cashback Life 20 $66.87 Monthly Premium Table of Guaranteed Values End of Cash or Extended Term Insurance Policy Year Loan Value Years Days 1 $ $ $ $ $ $ $1, $2, $2, $3, $4, $5, $6, $7, $8, $10, $11, $13, $14, $16, Not all states will have the same version of the Cashback Life series.

16 What Cashback Life 20 and 30 can offer you... Both a return of your money, as well as an excellent return on your money! Mark Twain would be pleased! Questions?

17 Cashback Life 20 and 30 Rates Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Issue Age Restrictions Minimum Issue Limits Cashback Life 20 PENT, PNT, SNT PT, ST Cashback Life 30 PENT, PNT, SNT, PT Male ST 50,000 - $99, All other ST Age near birthday calculation Cashback Life 20 PENT, PNT, SNT Issue ages $100,000 Issue ages 50+ $50,000 SNT, ST All issue ages $50,000 Cashback Life 30 PENT, PNT, SNT Issue ages $100,000 SNT, ST All issue ages $50,000 KEY PENT Preferred Elite Nontobacco PNT Preferred Nontobacco SNT Standard Nontobacco PT ST Preferred Tobacco Standard Tobacco For Agent Use Only

18 KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Male $50,000 - $99, Sample Quote Male Age 40 SNT $75,000 Specified Amount Age Near Birthday $ Annually (8.46 x 75) $ Semiannually (Multiply annual by 0.50) $ Quarterly (Multiply annual by 0.25) $ Monthly (Multiply annual by ) See female rates on reverse. For Agent Use Only

19 KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Female $50,000 - $99, Sample Quote Female Age 40 SNT $75,000 Specified Amount Age Near Birthday $ Annually (8.36 x 75) $ Semiannually (Multiply annual by 0.50) $ Quarterly (Multiply annual by 0.25) $ Monthly (Multiply annual by ) For Agent Use Only

20 KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Male $100,000 - $149, Sample Quote Male Age 38 PNT $125,000 Specified Amount Age Near Birthday $ Annually (4.39 x 125) $ Semiannually (Multiply annual by 0.50) $ Quarterly (Multiply annual by 0.25) $ Monthly (Multiply annual by ) See female rates on reverse. For Agent Use Only

21 KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Female $100,000 - $149, Sample Quote Female Age 38 PNT $125,000 Specified Amount Age Near Birthday $ Annually (4.33 x 125) $ Semiannually (Multiply annual by 0.50) $ Quarterly (Multiply annual by 0.25) $ Monthly (Multiply annual by ) For Agent Use Only

22 KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Male $150,000 - $249, Sample Quote Male Age 30 ST $200,000 Specified Amount Age Near Birthday $1, Annually (6.67 x 200) $ Semiannually (Multiply annual by 0.50) $ Quarterly (Multiply annual by 0.25) $ Monthly (Multiply annual by ) See female rates on reverse. For Agent Use Only

23 KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Female $150,000 - $249, Sample Quote Female Age 30 ST $200,000 Specified Amount Age Near Birthday $ Annually (4.98 x 200) $ Semiannually (Multiply annual by 0.50) $ Quarterly (Multiply annual by 0.25) $ Monthly (Multiply annual by ) For Agent Use Only

24 KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Male $250,000 - $499, Sample Quote Male Age 47 PENT $450,000 Specified Amount Age Near Birthday $2, Annually (4.85 x 450) $1, Semiannually (Multiply annual by 0.50) $ Quarterly (Multiply annual by 0.25) $ Monthly (Multiply annual by ) See female rates on reverse. For Agent Use Only

25 KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Female $250,000 - $499, Sample Quote Female Age 47 PENT $450,000 Specified Amount Age Near Birthday $1, Annually (3.85 x 450) $ Semiannually (Multiply annual by 0.50) $ Quarterly (Multiply annual by 0.25) $ Monthly (Multiply annual by ) For Agent Use Only

26 KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Male $500, Sample Quote Male Age 39 SNT $1,000,000 Specified Amount Age Near Birthday $4, Annually (4.73 x 1,000) $2, Semiannual (Multiply annual by 0.50) $1, Quarterly (Multiply annual by 0.25) $ Monthly (Multiply annual by ) See female rates on reverse. For Agent Use Only

27 KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Female $500, Sample Quote Female Age 39 SNT $1,000,000 Specified Amount Age Near Birthday $4, Annually (4.68 x 1,000) $2, Semiannually (Multiply annual by 0.50) $1, Quarterly (Multiply annual by 0.25) $ Monthly (Multiply annual by ) For Agent Use Only 2022R-KCL 2.11S

28 SAGE Scholars Tuition Rewards Program Return of Premium life insurance allows your clients many options they won t find with traditional term insurance. With a return of premium life policy, you can provide solid life insurance protection for your clients with the guaranteed death benefit. If they outlive their policy, they get something tangible back the return of all premiums paid when the coverage period is up. Purchasing a Return of Premium life insurance policy through the SAGE Scholars Tuition Rewards program allows your clients to earn Tuition Rewards to help fund their children s college education. They can accumulate these scholarship credits for up to one year of tuition costs divided equally between four years of college at any one of our participating colleges and universities. Tuition Rewards With Tuition Rewards, each point your client earns is equal to a $1.00 Tuition Rewards point. Your client earns 500 points for the initial meeting with you, and 4,500 Tuition Rewards points in year 1 for purchasing a Return of Premium life insurance policy. An additional 2,000 points are earned every year after as long as the policy is in force. For Agent Use Only

29 SAGE Scholars Tuition Rewards Program Purchase Return of Premium life insurance policy. Earn Tuition Rewards Points. Submit a Tuition Rewards statement to the school(s) your student is applying to during the application process. Tuition Rewards Account Policy Year 1: 5,000 Policy Year 2: 7,000 Policy Year 3: 9,000 Policy Year 4: 11, points immediately 4,500 points earned in year 1 2,000 points earned each year policy is in force years 2+ Assign some or all of your Rewards to a student before he or she starts their senior year in high school. Add as many students to your account as you d like. Students must be children, grandchildren, nieces or nephews; and they must be added before Aug. 31 of the beginning of the student s high school junior year. For Agent Use Only

KANSAS CITY LIFE INSURANCE COMPANY. Cashback Life. Return of Premium Life Insurance

KANSAS CITY LIFE INSURANCE COMPANY. Cashback Life. Return of Premium Life Insurance KANSAS CITY LIFE INSURANCE COMPANY Cashback Life Return of Premium Life Insurance Like most smart consumers you know life insurance is one of the best ways to ensure your family s dreams are protected.

More information

Silver Guard Series Rate Book

Silver Guard Series Rate Book Powered by INSpeed One call does it all! Silver Guard Series Rate Book Career Agency Sales Group Table of Contents Plan Information...Page 1-2 Silver Guard I Life Pay Rates...Page 3-4 Silver Guard I Ten

More information

Banner. Life Choice UL. Your Company For Life. Flexible premium universal life insurance with lifetime no-lapse coverage guarantees

Banner. Life Choice UL. Your Company For Life. Flexible premium universal life insurance with lifetime no-lapse coverage guarantees Banner Your Company For Life Life Choice UL Flexible premium universal life insurance with lifetime no-lapse coverage guarantees DESCRIPTION: Life Choice UL is a flexible premium universal life insurance

More information

PSE Whole Life Illustration

PSE Whole Life Illustration A Life Insurance Policy Illustration PSE Whole Life Illustration Participating Whole Life Insurance Policy Form PSE-WL-01 Initial Face Amount: $ 100,000 Prepared For: Valued Client STATE PLAN VERSION:

More information

Summary Product Specifications

Summary Product Specifications PRODUCT OVERVIEW 1 Agenda I. Management Introduction II. Genesis Life Product Features III. COF Basic Value Life Product Features IV. Transition to Genesis Life V. Illustration Software VI. LifePRO VII.

More information

Purposes of life insurance include providing financial security, funding business continuation and satisfying estate tax requirements among others.

Purposes of life insurance include providing financial security, funding business continuation and satisfying estate tax requirements among others. Life Insurance Frequently Asked Questions What is life insurance? Life insurance is a contract between an insurance company and the insurance policy owner(s). The insurance company pays a cash amount or

More information

West Coast Life LifeTime Platinum III UL WCLAG.1459 (03.10) Producer / Broker Guide

West Coast Life LifeTime Platinum III UL WCLAG.1459 (03.10) Producer / Broker Guide West Coast Life LifeTime Platinum III UL WCLAG.1459 (03.10) Producer / Broker Guide Meeting Your Clients Needs Your clients financial situations and personal goals are unique to them. Helping your clients

More information

Whole Life Express. Honor. Pride. Dignity. easy-to-apply for life insurance protection

Whole Life Express. Honor. Pride. Dignity. easy-to-apply for life insurance protection United of Omaha Life Insurance Company A Mutual of Omaha Company Whole Life Express easy-to-apply for life insurance protection Honor. Pride. Dignity. LC6447_1109 Whole Life Express Offers qualified applicants

More information

10 Pay Whole Life. (10 Pay WL) Introduced: September 2009

10 Pay Whole Life. (10 Pay WL) Introduced: September 2009 10 Pay Whole Life (10 Pay WL) Introduced: September 2009 Table of Contents GENERAL INFORMATION... 3 PRODUCT DESCRIPTION... 3 ISSUE RULES... 3 ISSUE AGES... 3 FACE AMOUNT... 3 BAND BREAKS... 4 GENDER...

More information

AG ROP Select-a-Term Level-Premium Endowment Term Insurance FINANCIAL PROFESSIONAL GUIDE

AG ROP Select-a-Term Level-Premium Endowment Term Insurance FINANCIAL PROFESSIONAL GUIDE AG ROP Select-a-Term Level-Premium Endowment Term Insurance FINANCIAL PROFESSIONAL GUIDE Policies issued by: American General Life Insurance Company FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

More information

The State Life Insurance Company P. O. Box 6062 Indianapolis, IN 46206-6062

The State Life Insurance Company P. O. Box 6062 Indianapolis, IN 46206-6062 P. O. Box 6062 Indianapolis, IN 46206-6062 Life Insurance Illustration Whole Life Insurance with Long-Term Care Benefits for Either or Both Insureds Asset-Care IV Valued Client and Valued Client Presented

More information

Introduces TAKE A LOOK AT THIS VALUABLE RETURN OF PREMIUM POLICY. Transamerica Occidental Life Insurance Company

Introduces TAKE A LOOK AT THIS VALUABLE RETURN OF PREMIUM POLICY. Transamerica Occidental Life Insurance Company TAKE A LOOK AT THIS VALUABLE RETURN OF PREMIUM POLICY. Transamerica Occidental Life Insurance Company Introduces Return of Premium (ROP) Term Life Insurance. Transamerica Occidental Life Insurance Company

More information

Sometimes it s best to start with the basics.

Sometimes it s best to start with the basics. Sometimes it s best to start with the basics. An overview of term life insurance. Protection that s easy and affordable. More things should be that way. Term life insurance is the simplest form of life

More information

The Company You Keep. Life Insurance. Conversion Instructions G-230G (11/08)

The Company You Keep. Life Insurance. Conversion Instructions G-230G (11/08) The Company You Keep Life Insurance Conversion Instructions G-230G (11/08) You are receiving this package because your Group Term Life Insurance will soon be terminating. Under the Group Term Life Insurance

More information

Guaranteed Issue Whole Life Insurance Plan

Guaranteed Issue Whole Life Insurance Plan Senior Solutions Guaranteed Issue Whole Life Insurance Plan Insurance Benefits Provided by Reserve National Insurance Company A Kemper Life & Health Company B-MWL-SS (08/12) Peace of Mind Starts Here Insurance

More information

AG Secure Survivor GUL II. Powerful guarantees and flexibility. Help them guarantee a legacy with Optionality. Producer Guide

AG Secure Survivor GUL II. Powerful guarantees and flexibility. Help them guarantee a legacy with Optionality. Producer Guide Producer Guide Powerful guarantees and flexibility Help them guarantee a legacy with Optionality AG Secure Survivor GUL II Individual joint and last survivor flexible premium, universal life insurance

More information

Guaranteed Universal Life

Guaranteed Universal Life Guaranteed Universal Life A Flexible Universal Life Insurance Policy Life Insurance Policy Proposal Prepared for: Presented by: Adding Certainty - 500k Jim Armstrong CLU ChFC Mutual of Omaha Mutual of

More information

Guaranteed Issue Whole Life Insurance Plan

Guaranteed Issue Whole Life Insurance Plan KEMPER SENIOR SOLUTIONS Guaranteed Issue Whole Life Insurance Plan Insurance Benefits Provided by Reserve National Insurance Company A Kemper Life & Health Company B-MWL-SS (08/14) KEMPER SENIOR SOLUTIONS

More information

ADDvantage Term Life Insurance

ADDvantage Term Life Insurance ADDvantage Term Life Insurance Marketing Guide Table of Contents Marketing ADDvantage 3 Product Specifications 4 Minimum Face Amount 4 Issue Ages and Underwriting Classes 4 Rate Bands 4 Guarantee Periods

More information

Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance

Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance A CONSUMER GUIDE FOR ILLUSTRATION UNDERSTANDING IN JUVENILE GIFTING SCENARIOS: USING GUARDIAN WHOLE LIFE PAID-UP AT AGE 65

More information

Base Plan Benefits Two Plan Options

Base Plan Benefits Two Plan Options Endowment at Age 100 Life Insurance Paul Revere s Endowment at Age 100 is an individually owned life insurance plan with guaranteed level premiums, guaranteed cash values and a guaranteed death benefit.

More information

Product Portfolio. Product Portfolio PRODUCER USE ONLY. NOT FOR PUBLIC DISTRIBUTION. CRB 105 0615

Product Portfolio. Product Portfolio PRODUCER USE ONLY. NOT FOR PUBLIC DISTRIBUTION. CRB 105 0615 Product Portfolio Product Portfolio PRODUCER USE ONLY. NOT FOR PUBLIC DISTRIBUTION. CRB 105 0615 TYPE UNIVERSAL LIFE Product Name TransACE CV Accumulation UL TransNavigator SM Description No-lapse guaranteed

More information

There s more to insurance than you expect.

There s more to insurance than you expect. There s more to insurance than you expect. And you can bank on that. Life has a way of throwing things at you, some expected, others not so much. Whatever the case may be and no matter the situation, permanent,

More information

Pacific Life Insurance Company. Flex Protector II. An interest sensitive whole life insurance product Client Brochure FXPRO2-1A

Pacific Life Insurance Company. Flex Protector II. An interest sensitive whole life insurance product Client Brochure FXPRO2-1A Pacific Life Insurance Company Flex Protector II An interest sensitive whole life insurance product Client Brochure FXPRO2-1A At Pacific Life, we pride ourselves in providing a steady hand to families

More information

Interest rates are guaranteed to be no lower than 4 percent.

Interest rates are guaranteed to be no lower than 4 percent. Universal Life Colonial Life s Universal Life 1000 is a flexible premium, adjustable death benefit life insurance plan that accumulates cash value, based on current interest rates. Employees can purchase

More information

Application Details Age: 33 Child Term Rider: $10,000 Insurance Class: Standard Non Tobacco Waiver of Premium Rider Yes

Application Details Age: 33 Child Term Rider: $10,000 Insurance Class: Standard Non Tobacco Waiver of Premium Rider Yes Pre Scenario: (CTR), and a Waiver of Premium Rider. Face Amount: $300,000 Scenario A: Adding a Flexible Payment Paid-up Additions Rider (CTR), and a Waiver of Premium Rider. As the producer is discussing

More information

USBA Wise Choice Generation 3 SM Group Blended Life Insurance Plan

USBA Wise Choice Generation 3 SM Group Blended Life Insurance Plan USBA Wise Choice Generation 3 SM Group Blended Life Insurance Plan USBA Wise Choice Generation 3 SM Group Blended a whole new way to look at life insurance. First there was term life insurance, then came

More information

Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance

Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance A CONSUMER GUIDE FOR ILLUSTRATION UNDERSTANDING IN JUVENILE GIFTING SCENARIOS: USING GUARDIAN WHOLE LIFE PAID-UP AT AGE 65

More information

Whole life insurance. 5-minute guide. The promise of life insurance.

Whole life insurance. 5-minute guide. The promise of life insurance. Whole life insurance 5-minute guide The promise of life insurance. Keep your promise As a spouse or parent, you ve made a commitment to take care of and provide for your family. If you ve built your own

More information

Guaranteed Universal Life

Guaranteed Universal Life Guaranteed Universal Life Life Insurance Policy Proposal Prepared for: Presented by: Short Pay Jim Armstrong CLU ChFC Mutual of Omaha Mutual of Omaha Plaza Omaha, NE 68116 42-351-2313 United of Omaha Life

More information

Life Insurance Buyer s Guide

Life Insurance Buyer s Guide Page 1 of 5 Life Insurance Buyer s Guide Illinois This guide can show you how to save money when you shop for life insurance. It helps you to: Decide how much life insurance you should buy, Decide what

More information

Guaranteed Choice Whole Life

Guaranteed Choice Whole Life Guaranteed Choice Whole Life Frequently Asked Questions and Product Information Guide Table of Contents I. Background and Introduction Background 1 Introduction 1 Product Highlights 1-2 II. Frequently

More information

Policy # Face Amount: $25,000 Age of Insured: 25

Policy # Face Amount: $25,000 Age of Insured: 25 MASTER 1 - Page 1 SAMPLE WHOLE LIFE POLICY Insured: Joe Adams Start Date: July 1, 1980 Policy # Face Amount: $25,000 Age of Insured: 25 GENERAL PROVISIONS The Contract - This policy and the application

More information

Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide

Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide AG05113-01/12 Western Reserve Life Assurance Co. of Ohio Thank you for your interest

More information

How To Buy Custom Termgul

How To Buy Custom Termgul Custom TermGUL Low Cost Universal Life Insurance Marketing Guide Marketing Custom TermGUL Many people like the idea of permanent life insurance protection. As opposed to term life insurance, permanent

More information

A Technical Guide for Individuals. The Whole Story. Understanding the features and benefits of whole life insurance. Insurance Strategies

A Technical Guide for Individuals. The Whole Story. Understanding the features and benefits of whole life insurance. Insurance Strategies A Technical Guide for Individuals The Whole Story Understanding the features and benefits of whole life insurance Insurance Strategies Contents 1 Insurance for Your Lifetime 3 How Does Whole Life Insurance

More information

TRANSAMERICA LIFE INSURANCE COMPANY Home Office: [4333 Edgewood Road NE, Cedar Rapids, IA 52499] A Stock Company

TRANSAMERICA LIFE INSURANCE COMPANY Home Office: [4333 Edgewood Road NE, Cedar Rapids, IA 52499] A Stock Company TRANSAMERICA LIFE INSURANCE COMPANY Home Office: [4333 Edgewood Road NE, Cedar Rapids, IA 52499] A Stock Company Subject to the provisions of this Certificate and receipt of due proof of the Insured s

More information

Whole Life Legacy 10 Pay Basic Life Insurance Illustration

Whole Life Legacy 10 Pay Basic Life Insurance Illustration Whole Life Legacy 10 Pay Basic Prepared for: d Client Male, Age 5 Presented by: Michael Fliegelman CLU, ChFC, AEP, RFC Independent Insurance And Financial Consulting 5 Harborfields Ct Greenlawn, NY 11740

More information

Protecting Your Loved Ones Every Step of the Way

Protecting Your Loved Ones Every Step of the Way Protecting Your Loved Ones Every Step of the Way Gerber Life Insurance Company Gerber Life Insurance Company, White Plains, NY 10605 5/10/2011 Gerber Life Insurance Company is a financially separate affiliate

More information

Universal Life Insurance for Financial Protection and Cash Accumulation

Universal Life Insurance for Financial Protection and Cash Accumulation Universal Life Insurance for Financial Protection and Cash Accumulation M a r k e t i n g G u i d e For agent use only. Not to be used for consumer solicitation purposes. Marketing Custom GrowthCV Helping

More information

PRODUCT GUIDE. Simplified Whole Life Insurance. LifeScape. For Agent use only. Product availability, features and rates vary by state.

PRODUCT GUIDE. Simplified Whole Life Insurance. LifeScape. For Agent use only. Product availability, features and rates vary by state. Simplified Whole Life Insurance PRODUCT GUIDE LifeScape For Agent use only. Product availability, features and rates vary by state. 16-041-01121 (Rev. 1/09) Product Guide for Simplified Whole Life Insurance

More information

WRL Financial Foundation IUL SM

WRL Financial Foundation IUL SM WRL Financial Foundation IUL SM Index Universal Life Insurance Agent Guide AG06113-07/13 Western Reserve Life Assurance Co. of Ohio Thank you for your interest in the WRL Financial Foundation IUL offered

More information

THE CONSTRUCTION OF A SURVIVORSHIP LIFE INSURANCE POLICY

THE CONSTRUCTION OF A SURVIVORSHIP LIFE INSURANCE POLICY THE CONSTRUCTION OF A SURVIVORSHIP LIFE INSURANCE POLICY PERTINENT INFORMATION Mr. and Mrs. Kugler are considering $1,000,000 of life insurance to provide estate liquidity at the survivor s death to cover

More information

SIMPLIFIED ISSUE WHOLE LIFE GRADED DEATH BENEFIT WHOLE LIFE. and. Agent Training Guide ROYAL NEIGHBORS OF AMERICA

SIMPLIFIED ISSUE WHOLE LIFE GRADED DEATH BENEFIT WHOLE LIFE. and. Agent Training Guide ROYAL NEIGHBORS OF AMERICA ROYAL NEIGHBORS OF AMERICA SIMPLIFIED ISSUE WHOLE LIFE and GRADED DEATH BENEFIT WHOLE LIFE Agent Training Guide For agent use only/not for public distribution TABLE OF CONTENTS Descriptions of Products...1

More information

VantagePoint SM. Genworth Life and Annuity Insurance Company Genworth Life Insurance Company. with Return of Premium. Underwritten by: Lynchburg, VA

VantagePoint SM. Genworth Life and Annuity Insurance Company Genworth Life Insurance Company. with Return of Premium. Underwritten by: Lynchburg, VA VantagePoint SM Term Life Insurance with Return of Premium Underwritten by: Genworth Life and Annuity Insurance Company Genworth Life Insurance Company Lynchburg, VA 44453 10/27/08 Why you need life insurance?

More information

IIPRC-LB-04-I-ROP. 3. Rules Repealed, Amended or Suspended by the Rule: None.

IIPRC-LB-04-I-ROP. 3. Rules Repealed, Amended or Suspended by the Rule: None. IIPRC-LB-04-I-ROP ADDITIONAL STANDARDS FOR INTERMEDIATE PERIOD ENDOWMENT BENEFIT FEATURES FOR INDIVIDUAL LIFE INSURANCE POLICIES (INCLUDING RETURN OF PREMIUM) 1. Date Adopted: March 14, 2009 2. Purpose

More information

Nautical Term. Just add life. CLIENT GUIDE CL 5.1387 (06/09)

Nautical Term. Just add life. CLIENT GUIDE CL 5.1387 (06/09) Nautical Term RENEWABLE AND CONVERTIBLE TERM LIFE CLIENT GUIDE CL 5.1387 (06/09) Just add life. Create a customized solution for building a solid financial foundation. Benefits of Nautical Term Life Insurance

More information

AMERICAN GENERAL LIFE Insurance Company. 2727-A Allen Parkway, Houston, Texas 77019 1-800-487-5433

AMERICAN GENERAL LIFE Insurance Company. 2727-A Allen Parkway, Houston, Texas 77019 1-800-487-5433 AMERICAN GENERAL LIFE Insurance Company 2727-A Allen Parkway, Houston, Texas 77019 1-800-487-5433 American General Life Insurance Company, a stock Company, referred to in this Policy as We/Us/Our, will

More information

TERM LIFE ANSWERS Providing answers for life s needs. Term Life Answers. 30 Year Term Life Insurance Policy

TERM LIFE ANSWERS Providing answers for life s needs. Term Life Answers. 30 Year Term Life Insurance Policy UNITED of OMAHA LIFE INSURANCE COMPANY TERM LIFE ANSWERS Providing answers for life s needs. Term Life Answers 3 Year Term Life Insurance Policy Premium Quote Prepared for: Presented by: Laddering Term

More information

Pacific Life Insurance Company [45 Enterprise Aliso Viejo, CA 92656] [www.pacificlife.com (800) 347-7787]

Pacific Life Insurance Company [45 Enterprise Aliso Viejo, CA 92656] [www.pacificlife.com (800) 347-7787] Pacific Life Insurance Company [45 Enterprise Aliso Viejo, CA 92656] [www.pacificlife.com (800) 347-7787] READ YOUR POLICY CAREFULLY. This is a legal contract between you, the Owner, and us, Pacific Life

More information

Agenda 08/06/2014. Why use whole life? Basics of whole life. Foresters difference. Case study. Foresters Member Benefits. Ambassador Program

Agenda 08/06/2014. Why use whole life? Basics of whole life. Foresters difference. Case study. Foresters Member Benefits. Ambassador Program Presented by: Tom Belanger, CLU ChFC CIP CFP Director, Sales Development Foresters Canada September 2014 Life solutions with a twist Agenda Why use whole life? Basics of whole life Foresters difference

More information

Taking care of life before you go

Taking care of life before you go AGENTS GUIDE TO SELLING THIS PRODUCT Taking care of life before you go 800.428.3001 Total Protection III is a Whole Life portfolio that combines three distinct products in one, easy-touse application.

More information

1. Income Replacement. Personal Needs

1. Income Replacement. Personal Needs LIFE INSURANCE 101 Personal Needs 1. Income Replacement Personal Needs Personal Needs 1. Income Replacement 2. Mortgage Cancellation Personal Needs 1. Income Replacement 2. Mortgage Cancellation 3. Education

More information

YOU CAN OWN? WHY RENT WHEN

YOU CAN OWN? WHY RENT WHEN WHY RENT WHEN YOU CAN OWN? A COMPARISON OF TERM & PERMANENT LIFE INSURANCE This guide helps you understand the differences between term and permanent coverage by comparing them to renting versus owning

More information

Whole Life II. Protection They Can Count On. What you ll find inside... Life Insurance

Whole Life II. Protection They Can Count On. What you ll find inside... Life Insurance Marketing Guide Life Insurance Whole Life II Protection They Can Count On What you ll find inside... Product Highlights Target Audience Product Details Available Riders FOR BROKER-DEALER OR AGENT USE ONLY

More information

10-, 20-, 25- and 30-year guaranteed level term life insurance. Face Amounts. Certificate Fees. Modal Factors. Underwriting Classes.

10-, 20-, 25- and 30-year guaranteed level term life insurance. Face Amounts. Certificate Fees. Modal Factors. Underwriting Classes. Lifefirst Level Term Life Insurance 0-, 0-, 5- and 0-year guaranteed level term life insurance. Convertability Built-in Benefits Level (reduced by loan or Critical Illness Rider benefits paid) Prior to

More information

MUTUAL OF OMAHA INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 BENEFIT PLANS A, C, D, F AND G

MUTUAL OF OMAHA INSURANCE COMPANY OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 BENEFIT PLANS A, C, D, F AND G OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 BENEFIT PLANS A, C, D, F AND G These charts show the benefits included in each of the standard Medicare supplement plans. Every company must make

More information

UL at-a-glance. A comprehensive overview of the following Universal Life products issued by AGL and US Life: zag Secure Survivor GUL II

UL at-a-glance. A comprehensive overview of the following Universal Life products issued by AGL and US Life: zag Secure Survivor GUL II UL at-a-glance A comprehensive overview of the following Universal Life products issued by AGL and US Life: Survivor GUL II Lifetime GUL II Elite UL Policies issued by: American General Life Insurance

More information

How To Calculate Final Expense From A Whole Life Insurance Policy

How To Calculate Final Expense From A Whole Life Insurance Policy WHOLE LIFE GWL & Final Expense From Transamerica Life Insurance Company Product Guide For producer use only. Not for distribution to the public. GWL & Final Expense Table of Contents Page Policy Description

More information

Low cost universal life insurance

Low cost universal life insurance Low cost universal life insurance Marketing Guide For agent use only. Not to be used for consumer solicitation purposes. Marketing Custom TermGUL Many people like the idea of permanent life insurance

More information

Conversion Limitations Life Insurance Review

Conversion Limitations Life Insurance Review Conversion Limitations Life Insurance Review Prepared for : Archibald Haddock InforcePRO Financial InforcePRO Financial Demo 301 Brazos Street Austin Texas 78701 karan@jacoxhilton.com 8884332254 Policy

More information

17 Level-Premium Term Periods. That s Optionality.

17 Level-Premium Term Periods. That s Optionality. AG Select-a-Term 17 Level-Premium Term Periods. That s Optionality. Level-Premium Term Insurance with 10-, 15-, 16-, 17-, 18-, 19-, 20-, 21-, 22-, 23-, 24-, 25-, 26-, 27-, 28-, 29- and 30- Year Term Periods.

More information

Alamere Indexed Universal Life Product

Alamere Indexed Universal Life Product Alamere Indexed Universal Life Product V1.0 Document Part No. E55321-01 June 2014 Alamere Indexed Universal Life Product 1 of 18 Table of Contents I. REVISION HISTORY 5 II. PRODUCT DESCRIPTION & POLICY

More information

Unum Whole Life. Voluntary Whole Life Insurance. Whole Life Insurance Features

Unum Whole Life. Voluntary Whole Life Insurance. Whole Life Insurance Features Unum Whole Life Voluntary Whole Life Insurance Whole Life Insurance Features Whole life provides an additional source of financial protection for your working years and provides options for your retirement.

More information

NWL ACCUMULATOR. A Word to Our Customer. Product Highlights: Payroll Deduction Universal Life Insurance For At Work Employees and their Families

NWL ACCUMULATOR. A Word to Our Customer. Product Highlights: Payroll Deduction Universal Life Insurance For At Work Employees and their Families Payroll Deduction Universal Life Insurance For At Work Employees and their Families NWL ACCUMULATOR Policy Form 01-1120-00 and State Variations A Word to Our Customer Product Highlights: Affordable Protection

More information

Protection is Precious. Life Insurance

Protection is Precious. Life Insurance Protection is Precious Life Insurance Not FDIC/NCUA Insured Not Insured By Any Federal Government Entity Not a Deposit May Lose Value No Bank/Credit Union Guarantee Subject to Underwriter Approval What

More information

The State Life Insurance Company P. O. Box 6062 Indianapolis, IN 46206-6062

The State Life Insurance Company P. O. Box 6062 Indianapolis, IN 46206-6062 P. O. Box 6062 Indianapolis, IN 46206-6062 Life Insurance Illustration Single Premium Current Interest Whole Life Insurance with Long-Term Care Benefits for Either or Both Insureds Asset-Care I Valued

More information

The State Life Insurance Company P. O. Box 406 Indianapolis, IN 46206-0406

The State Life Insurance Company P. O. Box 406 Indianapolis, IN 46206-0406 P. O. Box 406 Indianapolis, IN 46206-0406 Life Insurance Illustration Single Premium Current Interest Whole Life Insurance with Long-Term Care Benefits for Either or Both Insureds Asset-Care I d Client

More information

The State Life Insurance Company P. O. Box 6062 Indianapolis, IN 46206-6062

The State Life Insurance Company P. O. Box 6062 Indianapolis, IN 46206-6062 P. O. Box 6062 Indianapolis, IN 46206-6062 Life Insurance Illustration Single Premium Current Interest Whole Life Insurance with Long-Term Care Benefits for Either or Both Insureds Asset-Care I Valued

More information

What You Should Know About Buying. Life Insurance

What You Should Know About Buying. Life Insurance What You Should Know About Buying Life Insurance Life insurance is the foundation of financial security for you and your family. It protects your financial resources against the uncertainties of life so

More information

Foresters Lifefirst Non-Medical Term Insurance

Foresters Lifefirst Non-Medical Term Insurance Special offer extended by popular demand Foresters Lifefirst Non-Medical Term Insurance Now available up to $350,000 Available through to age 55 No exams, no fluids, no APS, no routine PHIs No cost annualization

More information

Life Insurance. Page 1 of 13

Life Insurance. Page 1 of 13 Life Insurance Page 1 of 13 GCU offers a variety of life insurance programs: 1. Whole Life a. Single Premium Whole Life b. 20 Year Payment Life c. Ordinary Whole Life 2. Term a. Term to Age 30 b. Annual

More information

Foresters Advantage Plus Producer Guide

Foresters Advantage Plus Producer Guide Foresters Advantage Plus Producer Guide Whole Life Insurance This guide is for information purposes only and is intended to answer your questions and provide ideas to help you sell Foresters Advantage

More information

OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 BENEFIT PLANS A, F AND G

OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 BENEFIT PLANS A, F AND G UNITED OF OMAHA LIFE INSURANCE COMPANY A Mutual of Omaha Company OUTLINE OF MEDICARE SUPPLEMENT COVERAGE - COVER PAGE 1 BENEFIT PLANS A, F AND G These charts show the benefits included in each of the standard

More information

Permanent Life Insurance. 100% Pure Protection

Permanent Life Insurance. 100% Pure Protection Permanent Life Insurance 100% Pure Protection 100 % Pure Protection A product that gives you more options and greater coverage 100% Pure Protection is a Permanent Life Insurance product you can purchase

More information

QUOTE TODAY! AG Select-a-Term. Top 10 reasons to sell American General s. AG Select-a-Term

QUOTE TODAY! AG Select-a-Term. Top 10 reasons to sell American General s. AG Select-a-Term AG Select-a-Term Top 10 reasons to sell American General s AG Select-a-Term QUOTE TODAY! For more information: www 1 Market-leading position in 15, 20, 25, and 30 year term non-tobacco classes 1 2 17 available

More information

State of Nevada Department of Business & Industry Division of Insurance LONG-TERM CARE INSURANCE POTENTIAL RATE INCREASE DISCLOSURE FORM

State of Nevada Department of Business & Industry Division of Insurance LONG-TERM CARE INSURANCE POTENTIAL RATE INCREASE DISCLOSURE FORM State of Nevada Department of Business & Industry Division of Insurance LONG-TERM CARE INSURANCE POTENTIAL RATE INCREASE DISCLOSURE FORM This form provides information to the applicant regarding premium

More information

Life Insurance Life Advice

Life Insurance Life Advice Life Insurance Life Advice What to look for in life insurance Deciding to protect those who depend on us with a sufficient amount of life insurance protection is a responsible and caring act. Life insurance

More information

The Value of Whole Life Insurance

The Value of Whole Life Insurance Page 1 of 6 A MassMutual Illustration Presentation The Value of Whole Life Insurance A life insurance illustration summary Prepared for: Prepared by: Valued Client Michael Fliegelman. CLU, ChFC, AEP RFC

More information

Flexible Premium Universal Life Insurance with an Indexed Feature A Life Insurance Illustration

Flexible Premium Universal Life Insurance with an Indexed Feature A Life Insurance Illustration Initial Base Face Amount = $ Total Initial Annual Premium = $ About the Universal Life Insurance Policy Phoenix Simplicity Index Life is a single life flexible premium universal life insurance policy with

More information

Why rent when you can own?

Why rent when you can own? An Educational Guide for Individuals Why rent when you can own? A comparison of term and permanent life insurance Insurance Strategies Protecting your loved ones with the right amount and right type of

More information

Mutual of Omaha Insurance Company United of Omaha Life Insurance Company Companion Life Insurance Company Product Portfolio

Mutual of Omaha Insurance Company United of Omaha Life Insurance Company Companion Life Insurance Company Product Portfolio Mutual of Omaha Insurance Company United of Omaha Life Insurance Company Companion Life Insurance Company Portfolio Life Insurance brokerage As of July 2014 For producer use only. Not for use with the

More information

Foresters Advantage Plus e-kit

Foresters Advantage Plus e-kit Foresters Advantage Plus e-kit Advantage Plus Producer Guide 503406 (11/14) Page 2 Advantage Plus Consumer Brochure 503402 US (11/14) Page 14 Advantage Plus Coverage at a Glance Worksheet - 503404 US (11/14)

More information

Life Insurance Buyer's Guide

Life Insurance Buyer's Guide United of Omaha Life Insurance Company Life Insurance Buyer s Guide Prepared by the National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association

More information

Whole Life Agent Training PowerPoint

Whole Life Agent Training PowerPoint Welcome to Online Training! Today you re going to learn about Whole Life. Please check Agent Services for product availability. This Agent Training PowerPoint provides information about the Whole Life

More information

Flexible Premium Adjustable Life Insurance Policy Illustration

Flexible Premium Adjustable Life Insurance Policy Illustration Flexible Premium Adjustable Life Insurance Policy Illustration Prepared for: d Client Prepared by: Sample Sample MetLife 11225 N Community House Rd Charlotte, North Carolina, 28202 Tel: 5555555555 MetLife

More information

T-20 Switch Life Insurance Review

T-20 Switch Life Insurance Review T-20 Switch Life Insurance Review Prepared for : Sample Switch Demo Brokerage InforcePRO 101 Main Street Vancouver British Columbia Vancouver, K9K 1J1 rajarshi@inforcepro.com 888-433-2254 Policy Summary

More information

WISCONSIN LIFE & HEALTH EXAM QUESTIONS

WISCONSIN LIFE & HEALTH EXAM QUESTIONS WISCONSIN LIFE & HEALTH EXAM QUESTIONS 1. Jim gets married and wants to add his new spouse to his existing Life insurance policy. Which rider should he add: A. Term rider B. Payor rider C. Guaranteed Insurability

More information

Make a case for the right fit

Make a case for the right fit GenDex series life insurance policies Make a case for the right fit Allianz Life Insurance Company of North America M-3998 GenDex Momentum SM case study In our first hypothetical case study, 1 Katie and

More information

UNIFI Companies. Permanent Life Product Portfolio. For Producer or Broker/Dealer use only. Not for use with clients. LI 1011 1/07

UNIFI Companies. Permanent Life Product Portfolio. For Producer or Broker/Dealer use only. Not for use with clients. LI 1011 1/07 UNIFI Companies Permanent Life Product Portfolio LI 1011 1/07 For Producer or Broker/Dealer use only. Not for use with clients. UNIFI Companies Permanent Life Product Portfolio Policy Name Issuing Company

More information

The State Life Insurance Company P. O. Box 6062 Indianapolis, IN 46206-6062

The State Life Insurance Company P. O. Box 6062 Indianapolis, IN 46206-6062 P. O. Box 6062 Indianapolis, IN 46206-6062 Life Insurance Illustration Single Premium Deferred Individual Retirement Annuity and Current Interest Whole Life Insurance with Long-Term Care Benefits for Either

More information

Flexible Premium Adjustable Life Insurance Policy Illustration

Flexible Premium Adjustable Life Insurance Policy Illustration Flexible Premium Adjustable Life Insurance Policy Illustration Prepared for: d Client Prepared by: Illustration Desk 2801 Townsgate Rd. Suite 350 Westlake Village, California, 91361 Tel: 800-350-2019 License

More information

A CLOSER LOOK AT LIFE INSURANCE

A CLOSER LOOK AT LIFE INSURANCE Equitable Life offers term plans, a participating whole life plan, a non-participating whole life plan and two universal life plans. This chart takes a closer look at and highlights some of the key differences

More information

Continuing Education for Advisors

Continuing Education for Advisors Continuing Education for Advisors knowledge continuing training educate online awareness participate Participating life insurance Learning objectives By the end of this course you will be able to: Explain

More information

AGENTS GUIDE TO SELLING THIS PRODUCT

AGENTS GUIDE TO SELLING THIS PRODUCT Term Life Insurance AGENTS GUIDE TO SELLING THIS PRODUCT Taking Care of Your Financial Security Now www.unitedhomelife.com 800-428-3001 Term Life Insurance Our term life insurance portfolio offers a variety

More information

PRODUCT GUIDE ONE YEAR TERM SERIES 155B BRIGHTLIFE TERMONE MARKETING LAUNCH: NOVEMBER 3, 2014 NEW BUSINESS ACCEPTED: NOVEMBER 10, 2014

PRODUCT GUIDE ONE YEAR TERM SERIES 155B BRIGHTLIFE TERMONE MARKETING LAUNCH: NOVEMBER 3, 2014 NEW BUSINESS ACCEPTED: NOVEMBER 10, 2014 ONE YEAR TERM SERIES 155B BRIGHTLIFE TERMONE PRODUCT GUIDE MARKETING LAUNCH: NOVEMBER 3, 2014 NEW BUSINESS ACCEPTED: NOVEMBER 10, 2014 1 BRIGHTLIFE TERMONE TABLE OF CONTENTS INTRODUCTION... 4 Highlights...

More information