Because There s No Place Like Your Home. Term Life Insurance. ING HomeGuard Plus Select Term. Issued by ReliaStar Life Insurance Company

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Because There s No Place Like Your Home. Term Life Insurance. ING HomeGuard Plus Select Term. Issued by ReliaStar Life Insurance Company"

Transcription

1 Because There s No Place Like Your Home ING HomeGuard Plus Select Term Term Life Insurance Issued by ReliaStar Life Insurance Company LIFE Your future. Made easier.

2 ING HomeGuard Plus Select Term is a term life insurance product offering valuable death benefit protection which a beneficiary(ies) can choose to use towards mortgage payments, possibly preventing them from losing their homes. Please Note: ING HomeGuard Plus Select Term is NOT mortgage insurance.

3 To Protect Your Home and Loved Ones, Start by Protecting Yourself You ve heard it all before: "Your home and your family are life s most important treasures. Whether you rent or own, your home is more than a storage space for your stuff. But do you and your family have adequate protection, if any, from losing your home or other key assets if you die or suffer a terminal illness or a disabling injury? Would your family be able to keep up with mortgage payments, rent or other monthly expenses if your income was no longer available? There s no better time than the present to start planning for your family s financial security. With ING HomeGuard Plus Select Term, a term life insurance policy issued by ReliaStar Life Insurance Company, you have the right tools for the job. With a choice of coverage for 15, 20 or 30 years, this policy provides death benefit protection as well as offers you the ability to customize coverage further with valuable riders that can help you protect your family and home against the unexpected. 1

4 In life, we all face the what ifs What if I die during my covered term? ING HomeGuard Plus Select Term provides your beneficiaries a death benefit that s income tax-free money that may be used to help handle financial obligations like rent/mortgage, bills and final expenses. This protection helps keep your family from being overwhelmed with expenses if you die during the term of your policy. Proceeds from an insurance policy are generally income tax free, and if properly structured, may also be free from estate tax. What if I become disabled and can t pay my bills? With ING HomeGuard Plus Select Term, you have the option to purchase an Accident Only Disability Income Rider that provides financial benefits you can use to handle your family s expenses in the event of an accident-related disability. You can also elect the Waiver of Premium Rider - Disability, which will waive your premiums for the remainder of your coverage period, if an accident- or illness-related disability occurs for longer than six months. In addition, this rider will refund the premiums you paid during the first six months of total disability. What if I become critically ill? The Accelerated Death Benefit Rider may be available with your ING HomeGuard Plus Select Term policy. In the event you become terminally ill, you can request an advance payment of a portion of your death benefit. 2

5 You can also elect to include the optional Critical Illness Rider with your policy. With the Critical Illness Rider, you will receive an accelerated benefit in the event that you suffer from a critical illness after purchasing the policy. A partial list of illnesses includes life-threatening cancer, heart attack, stroke and major organ transplant. The money you receive can help you continue to contribute to your household budget during your illness. What if I lose my job? Will I lose my coverage too? At no extra cost, ING HomeGuard Plus Select Term includes a Waiver of Premium Rider Unemployment. In the event of involuntary unemployment, this rider will waive your premiums beginning 30 days after you lose your job. Your premiums can be waived for a period of up to six months of unemployment. So the money you save from the waived premiums may be used to cover your mortgage payments and other living expenses. What if I want to purchase coverage for my children? ING HomeGuard Plus Select Term features an optional Children s Term Insurance Rider. The rider will provide a death benefit for each insured child. If you die during the term of your base policy, coverage under the Children s Term Insurance Rider may be converted to a new policy without evidence of insurability. The children's term rider and the coverage that it provides terminates when the insured child reaches a specified age, which is defined in the rider itself. The premium for this rider will continue to be deducted after such termination until the policy owner notifies the company to cancel the benefit. Individual riders may not be available in all states and are subject to certain conditions and limitations. 3

6 I hate the idea of paying for coverage that I might not use. Can I get my money back if I outlive my coverage? ING HomeGuard Plus Select Term includes an optional Premium Endowment Rider that may give you back some or all of the premiums you paid into the policy at the end of the period selected*. If you choose to purchase this rider, you won t feel like you re paying for something without something to show for it in the end. * Contingent upon the insured outliving the period selected. The endowment benefit paid is less any premiums paid for additional riders, substandard or flat extra premiums, policy fees, and any premiums paid that are not yet due and payable. 4

7 Your term life insurance policy should help you feel as safe as you do at home. Talk to your ING financial professional about how ING HomeGuard Plus Select Term can help your family continue to enjoy all the comforts of your home. 5

8 ING is a global financial institution of Dutch origin offering banking, insurance and asset management to over 85 million private, corporate and institutional clients in more than 40 countries. With a diverse workforce of over 115,000 people, ING comprises a broad spectrum of prominent companies that increasingly serve their clients under the ING brand. In the U.S., the ING family of companies offers a comprehensive array of financial services to individual and institutional clients which include life insurance, retirement plans, mutual funds, managed accounts, alternative investments, direct banking, institutional investment management, annuities, employee benefits, financial planning, and reinsurance. For more information, visit ReliaStar Life Insurance Company 20 Washington Avenue South Minneapolis, MN ING HomeGuard Plus Select Term, policy form # /09 (may vary by state and may not be available in all states) is issued by ReliaStar Life Insurance Company, a member of the ING family of companies. Guarantees are based on the financial strength and claims-paying ability of ReliaStar Life Insurance Company who is solely responsible for obligations under its own policies. The assets of ING have no impact on ReliaStar Life Insurance Company s ability to meet its obligations or upon the performance of its products. Insurance product obligations are the sole responsibility of ReliaStar Life Insurance Company ING North America Insurance Corporation cn /23/2009

ING Return of Premium Term Term life insurance issued by ReliaStar Life Insurance Company

ING Return of Premium Term Term life insurance issued by ReliaStar Life Insurance Company Start counting on yourself. Start with life insurance on your terms. ING Return of Premium Term Term life insurance issued by ReliaStar Life Insurance Company Take a moment to listen to Ida, an old friend

More information

Start counting on yourself

Start counting on yourself Start counting on yourself Start with life insurance on your terms ING ROP Endowment Term and ING ROP Endowment Term NY Term Life Insurance issued by ReliaStar Life Insurance Company and ReliaStar Life

More information

Protect your home and family today. Client Brochure Policy Series 174

Protect your home and family today. Client Brochure Policy Series 174 Protect your home and family today. Client Brochure Policy Series 174 Your home may be your most valuable asset... Provide peace of mind when you and your family need it most. Many families are forced

More information

United of Omaha Life Insurance Company. A Mutual of Omaha Company. term life express. life insurance to help protect your home and lifestyle

United of Omaha Life Insurance Company. A Mutual of Omaha Company. term life express. life insurance to help protect your home and lifestyle United of Omaha Life Insurance Company A Mutual of Omaha Company term life express life insurance to help protect your home and lifestyle lc5959_0707 The application is simple and the underwriting process

More information

FG Immediate-Income. Single Premium Immediate Annuity. ADV 1011 (01-2011) Fidelity & Guaranty Life Insurance Company Rev.

FG Immediate-Income. Single Premium Immediate Annuity. ADV 1011 (01-2011) Fidelity & Guaranty Life Insurance Company Rev. Single Premium Immediate Annuity ADV 1011 (01-2011) Fidelity & Guaranty Life Insurance Company Rev. 07-2014 12-715 Single Premium Immediate Annuity Americans are living longer than ever before. Source:

More information

Life and protection insurance explained

Life and protection insurance explained protection? Life and protection explained A guide to personal and family protection This guide explains the types of life and protection available and how they can offer you valuable peace of mind. If

More information

We keep our promises.

We keep our promises. We keep our promises. So you can keep yours. It s a selfless act. The decision you make today is for someone else s future. Purchasing life insurance is about more than just planning for the future. It

More information

Group Universal Life Insurance

Group Universal Life Insurance What if your family had to live without you or your paycheck? Would they be able to afford daily living expenses and still have the financial freedom to enjoy life? CAR GROCERIES TUITION VACATIONS Group

More information

Permanent Benefit Group Life Insurance Under Code Section 79

Permanent Benefit Group Life Insurance Under Code Section 79 Permanent Benefit Group Life Insurance Under Code Section 79 Expanding the Benefits of Group Life Insurance Advantages of Permanent Benefit Group Life Insurance. Giving employees the option to use cash

More information

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review If a serious illness strikes, how will you protect your assets and lifestyle from financial hardship? Table of Contents Page Your

More information

01-1123L-01 / 01-1123D-01

01-1123L-01 / 01-1123D-01 Policy Forms 01-1123L-01 / 01-1123D-01 and state variations Issued by National Western Life Insurance Company Consumer Information SA-9286(Rev.5/02) Page 1 of 6 S a f e g u a r ding your family s most

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

Home Mortgage Series. Client Brochure Policy Series 297. Universal life insurance you can count on to help protect your family and mortgage.

Home Mortgage Series. Client Brochure Policy Series 297. Universal life insurance you can count on to help protect your family and mortgage. 11-149-5 (01-12) HMS100CBO Client:Layout 1 1/18/2012 11:12 AM Page 1 Home Mortgage Series Universal life insurance you can count on to help protect your family and mortgage. Client Brochure Policy Series

More information

Your Guide to ING Indexed Universal Life CV

Your Guide to ING Indexed Universal Life CV Early retirement. Financial security. Expanding your business. Oh, the possibilities. Your Guide to ING Indexed Universal Life CV Issued by Security Life of Denver Insurance Company LIFE Your future. Made

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

Retirement Perspectives. Life. Maximizing Your Pension Income

Retirement Perspectives. Life. Maximizing Your Pension Income Retirement Perspectives Life Maximizing Your Pension Income The Pension Decision This decision will determine the amount of pension income you will receive for the balance of your life. In making this

More information

SMHomeCertain SM. Insurance if You Need it Assurance if You Don t. Consumer Brochure

SMHomeCertain SM. Insurance if You Need it Assurance if You Don t. Consumer Brochure SMHomeCertain SM Insurance if You Need it Assurance if You Don t Consumer Brochure FIDELITY AND GUARANTY LIFE INSURANCE COMPANY ADLF 3077 (05-2000) TX Rev. 05-2004 What can be used to pay off your mortgage

More information

LIFE WHOLE. MetLife Promise Whole LifeSM. life. a foundation for

LIFE WHOLE. MetLife Promise Whole LifeSM. life. a foundation for LIFE WHOLE MetLife Promise Whole LifeSM a foundation for life Life. your way SM Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance protect, accumulate and

More information

Flexible protection to help meet a lifetime of needs

Flexible protection to help meet a lifetime of needs TIAA-CREF Life Insurance Company Flexible protection to help meet a lifetime of needs Intelligent Life Universal Life Insurance and Intelligent Life Survivorship Universal Life Insurance Designed to meet

More information

Understanding the Basics of Term Life Insurance LIFE. Your future. Made easier.

Understanding the Basics of Term Life Insurance LIFE. Your future. Made easier. Understanding the Basics of Term Life Insurance LIFE Your future. Made easier. I already have group insurance with my company. Why should I purchase more insurance? Since many companies offer group insurance

More information

LifeFund. Life s biggest financial. questions answered. in one LifeFund. Now, go live. A living life plan. Equity Index. Life Insurance Policy M3413

LifeFund. Life s biggest financial. questions answered. in one LifeFund. Now, go live. A living life plan. Equity Index. Life Insurance Policy M3413 Life s biggest financial questions answered in one LifeFund. Now, go live. Equity Index LifeFund A living life plan. SM M343 Page of 2 Equity Index LifeFund Life insurance for the 2st century. Traditional

More information

Understanding the Basics of Term Life Insurance LIFE INSURANCE. Your future. Made easier.

Understanding the Basics of Term Life Insurance LIFE INSURANCE. Your future. Made easier. Understanding the Basics of Term Life Insurance LIFE INSURANCE Your future. Made easier. I already have group insurance with my company. Why should I purchase more insurance? Since many companies offer

More information

LIFE AND PROTECTION INSURANCE EXPLAINED

LIFE AND PROTECTION INSURANCE EXPLAINED LIFE AND PROTECTION INSURANCE EXPLAINED INTRODUCTION Most of us would like to think that when our lives come to an end, we ll be old, our loved ones will be financially secure and our financial responsibilities

More information

Guaranteed Protection Universal Life. Discover What s Possible

Guaranteed Protection Universal Life. Discover What s Possible Guaranteed Protection Universal Life Discover What s Possible Guaranteed Protection Universal Life Peace of mind for you, protection for your heirs As the center of a sound financial plan, permanent life

More information

For the Employees of the Santa Barbara County Superior Courts. Critical Illness Insurance. A limited benefit policy

For the Employees of the Santa Barbara County Superior Courts. Critical Illness Insurance. A limited benefit policy For the Employees of the Santa Barbara County Superior Courts Critical Illness Insurance A limited benefit policy A critical illness isn t polite. It doesn t announce its presence before barging into your

More information

United of Omaha Life Insurance Company A Mutual of Omaha Company. voluntary term life insurance. work. for you UGC8914_0409

United of Omaha Life Insurance Company A Mutual of Omaha Company. voluntary term life insurance. work. for you UGC8914_0409 United of Omaha Life Insurance Company A Mutual of Omaha Company voluntary term life insurance Benefits work that for you UGC8914_0409 Eligibility All full-time employees, who are citizens or permanent

More information

Life and Protection Insurance explained

Life and Protection Insurance explained OPW 01 (03/11) Demographik Life and Protection Insurance explained Openwork Limited is authorised and regulated by the Financial Services Authority. Registered in England 4399725. Registered office: Tri

More information

LIFE INSURANCE TERMS

LIFE INSURANCE TERMS LIFE INSURANCE TERMS Insured The insured is the covered individual on any life insurance policy. The insurance policy covers the life of the insured. Insurability Insurability refers to an individual's

More information

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review If a serious illness strikes, how will you protect your assets and lifestyle from financial hardship? Prepared for: Your Client

More information

Term. 10, 20 & 30-year level premium Annual Renewal Term (ART) 17656 7/10

Term. 10, 20 & 30-year level premium Annual Renewal Term (ART) 17656 7/10 Term 10, 20 & 30-year level premium Annual Renewal Term (ART) 17656 7/10 At Aviva, we believe insurance doesn t have to cost an arm and a leg. And we realize that just like when it comes to clothing, a

More information

Life Insurance as an Asset Class: A Predictable Asset for Unpredictable Times

Life Insurance as an Asset Class: A Predictable Asset for Unpredictable Times Life Insurance as an Asset Class: A Predictable Asset for Unpredictable Times This material is not intended to be used to avoid tax penalties. It was prepared to support the promotion or marketing of the

More information

For the Employees of Deer Park Independent School District. Critical Illness Insurance A limited benefit policy

For the Employees of Deer Park Independent School District. Critical Illness Insurance A limited benefit policy For the Employees of Deer Park Independent School District Critical Illness Insurance A limited benefit policy Consider the following: In the United States, someone has a heart attack, on average, every

More information

LifeFund. All your biggest. financial questions. answered in one fund. Now, go live. A living life plan. Term. Life Insurance Policy

LifeFund. All your biggest. financial questions. answered in one fund. Now, go live. A living life plan. Term. Life Insurance Policy All your biggest financial questions answered in one fund. Now, go live. Term LifeFund A living life plan. SM M3400 Allianz Life Insurance Company of North America Term LifeFund Life insurance for the

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

A Special Limited Time Offer on Life Insurance

A Special Limited Time Offer on Life Insurance USAPA MEMBERS A Special Limited Time Offer on Life Insurance For a limited time; you can now purchase up to $150,000* new coverage with a Special Simplified Issue offer For Members and Spouses of Members.

More information

Life Insurance Protection for Your Working Years

Life Insurance Protection for Your Working Years Life Insurance Protection for Your Working Years Issued by Pruco Life Insurance Company or, in New York if available, by Pruco Life Insurance Company of New Jersey. 0194055 0194055-00001-00 WorkLife 65

More information

Flexible Mortgage Protection

Flexible Mortgage Protection 10 % Flexible Mortgage Protection with Life Insurance Product issued by Life Insurance Company of the Southwest 62686 MK2272(1112) TC6896(0612) Protect your home, family and income all in one policy A

More information

YOUR PRODUCT GUIDE. Making it easier to protect what matters most in life. Nationwide YourLife Guaranteed Level Term

YOUR PRODUCT GUIDE. Making it easier to protect what matters most in life. Nationwide YourLife Guaranteed Level Term YOUR PRODUCT GUIDE Making it easier to protect what matters most in life. Nationwide YourLife Guaranteed Level Term Life s complicated. Protecting it shouldn t be. There are so many things competing for

More information

Ask yourself these three very important questions

Ask yourself these three very important questions QoL Flex Term Ask yourself these three very important questions 1. How much life insurance do I need to protect my family? 2. How much life insurance can I afford? More than likely, your answer to the

More information

For the Employees of County of Santa Barbara. Critical Illness Insurance A limited benefit policy

For the Employees of County of Santa Barbara. Critical Illness Insurance A limited benefit policy For the Employees of County of Santa Barbara Critical Illness Insurance A limited benefit policy Consider the following: In the United States, someone has a heart attack, on average, every 34 seconds.1

More information

Insurance. New York Life Custom Whole Life. Whole Life That Offers More Than Just Protection. The Company You Keep

Insurance. New York Life Custom Whole Life. Whole Life That Offers More Than Just Protection. The Company You Keep Insurance New York Life Custom Whole Life Whole Life That Offers More Than Just Protection The Company You Keep Introducing the First Whole Life Product that Lets You Set the Pace Whole Life insurance

More information

Disability Income Choice Portfolio

Disability Income Choice Portfolio Mutual of Omaha Insurance Company Disability Income Choice Portfolio SM MC34442 While many workers have group disability coverage through an employer, it often covers only 50 to 60 percent of their pay.

More information

If I were no longer around, who would pay my mortgage?

If I were no longer around, who would pay my mortgage? If I were no longer around, who would pay my mortgage? Let us help you create a mortgage protection plan to protect you and your most valuable asset. Mortgage life insurance protection Your house is your

More information

If your family lost you and your income today, what could term coverage help them with?

If your family lost you and your income today, what could term coverage help them with? If your family lost you and your income today, what could term coverage help them with? LOAN EDUCATION MORTGAGE Term Life Insurance Term Life Insurance that is renewable every 20 years until age 70. No

More information

Universal Life Insurance Provides benefits to help protect finances during a time of loss*

Universal Life Insurance Provides benefits to help protect finances during a time of loss* What if your family had to live without you or your paycheck? Would they be able to afford daily living expenses and still have the financial freedom to enjoy life? CAR GROCERIES TUITION VACATIONS Universal

More information

Variable Universal Life Permanent Life Insurance. Flexible premiums and potential cash value

Variable Universal Life Permanent Life Insurance. Flexible premiums and potential cash value Variable Universal Life Permanent Life Insurance Flexible premiums and potential cash value Why consider a Variable Universal Life Policy? Permanent life insurance protection, plus potential cash value

More information

Association Group Term Life Insurance 10, 15, or 20-Year Level Premium

Association Group Term Life Insurance 10, 15, or 20-Year Level Premium Association Group Term Life Insurance 10, 15, or 20-Year Level Premium New York State Physicians and Their Families Sponsored by: Physicians and Surgeons Insurance Trust ReliaStar Life Insurance Company

More information

For the Employees of Stanislaus County. Critical Illness Insurance A limited benefit policy

For the Employees of Stanislaus County. Critical Illness Insurance A limited benefit policy For the Employees of Stanislaus County Critical Illness Insurance A limited benefit policy Consider the following: In the United States, someone has a coronary event, on average, every 34 seconds. For

More information

For the Employees of City of San Jose. Critical Illness Insurance A limited benefit policy

For the Employees of City of San Jose. Critical Illness Insurance A limited benefit policy For the Employees of City of San Jose Critical Illness Insurance A limited benefit policy Consider the following: In the United States, someone has a coronary event, on average, every 34 seconds. For strokes,

More information

Protecting your family with insurance: How RBC Royal Bank can help

Protecting your family with insurance: How RBC Royal Bank can help Insurance Protecting your family with insurance: How RBC Royal Bank can help At RBC Royal Bank, we know that you ve worked hard to get here and build a new life. Insurance helps protect what you have from

More information

Living benefits included at no additional premium cost

Living benefits included at no additional premium cost Living benefits included at no additional premium cost TERM LIFE INSURANCE OFFERED BY: Alliance Marketing Group LC, is an independent contractor representing Western Reserve Life Assurance Co. of Ohio

More information

Technicians Insurance Program

Technicians Insurance Program YOUR ACCEPTANCE TO OUR INSURANCE PLANS IS GUARANTEED...If you apply during your first 31 days of employment or if you apply during an official enrollment. ACT NOW BEFORE SPECIAL ELIGIBILITY ENDS! Guaranteed

More information

Premium protection. Premium returns. Pick your term.

Premium protection. Premium returns. Pick your term. AIG ROP Select-a-Term SM Premium protection. Premium returns. Pick your term. Policies issued by: American General Life Insurance Company (American General Life) The United States Life Insurance Company

More information

Trendsetter. LB Series. Product Overview

Trendsetter. LB Series. Product Overview Trendsetter LB Series Product Overview Trendsetter LB Series Life happens. Are you prepared? Sometimes we are surprised by what happens in life. One of the most important assets we have is our health

More information

the importance of Planning Ahead TRENDSETTER TERM LIFE INSURANCE

the importance of Planning Ahead TRENDSETTER TERM LIFE INSURANCE the importance of Planning Ahead TRENDSETTER TERM LIFE INSURANCE Studies show that a staggering 7 out of 10 families with children under 18 would have trouble paying the bills if the household breadwinner

More information

MKT12-BRK-22A. Pacific Prime sm Term Level Term Life Insurance

MKT12-BRK-22A. Pacific Prime sm Term Level Term Life Insurance MKT12-BRK-22A Pacific Prime sm Term Level Term Life Insurance Pursue your potential. protect Your promise. You re in your prime don t let potential curveballs get in the way of your dreams. With Pacific

More information

Discover What s Possible

Discover What s Possible Discover What s Possible Whole Life SM Flexible Choice SM Flexible Choice Whole Life for Individuals and Families Life is filled with possibilities As the path of life unfolds, life insurance may be the

More information

Ask yourself these three very important questions

Ask yourself these three very important questions QoL FlexTerm Ask yourself these three very important questions 1. How much life insurance do I need to protect my family? 2. How much life insurance can I afford? More than likely, your answer to the first

More information

Life and protection insurance explained!

Life and protection insurance explained! Life and protection insurance explained! Introduction Some things are certain in life, like the fact that one day, we ll die. Most of us would like to think that when that day comes we ll be old, our loved

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

QoL Flex Term. QoL1 8532 FT REV0815

QoL Flex Term. QoL1 8532 FT REV0815 QoL Flex Term QoL1 8532 FT REV0815 Important Questions... Ask yourself these three very important questions 1. How much life insurance do I need to protect my family? 2. How much life insurance can I afford?

More information

Supplemental Term Life Insurance Plan

Supplemental Term Life Insurance Plan Supplemental Term Life Insurance Plan JANUARY 1, 2006 Who Is Eligible Service Requirement Eligibility Date Dependent Age Limit Employee-Only Coverage Options Spouse-Only Coverage Options Children-Only

More information

Secure Lifetime GUL 3 Guaranteed Universal Life Insurance Information for Financial Professionals

Secure Lifetime GUL 3 Guaranteed Universal Life Insurance Information for Financial Professionals Secure Lifetime GUL 3 Guaranteed Universal Life Insurance Information for Financial Professionals Our commitment to your clients is stronger than ever before! Policies issued by American General Life Insurance

More information

Guaranteed. Death Benefit UL Products. ING Guaranteed Death Benefit Universal Life II. ING Guaranteed Death Benefit Universal Life II NY

Guaranteed. Death Benefit UL Products. ING Guaranteed Death Benefit Universal Life II. ING Guaranteed Death Benefit Universal Life II NY Lifetime Guaranteed Death Benefit UL Products ING Guaranteed Death Benefit Universal Life II ING Guaranteed Death Benefit Universal Life II NY Producer Guide Life insurance issued by: Security Life of

More information

You can protect their future

You can protect their future Term life insurance You can protect their future Your 5-minute Guide Help build family security In today s ever-changing financial environment, it s important to know there are some things you don t have

More information

Passing on the Good Stuff! Implementing a Roth IRA Conversion Using Life Insurance

Passing on the Good Stuff! Implementing a Roth IRA Conversion Using Life Insurance Passing on the Good Stuff! Implementing a Roth IRA Conversion Using Life Insurance Passing On The Good Stuff! All inheritances aren t equal. Even two different assets that are worth similar amounts may

More information

Zurich Group Personal Accident

Zurich Group Personal Accident Zurich Group Personal Accident Employee FAQs GENERAL Why do I need Group Personal Accident insurance if I already have health insurance? Even when you have health insurance, you are likely to still have

More information

Versa-Flex NLG. Guaranteed Protection for an Evolving Legacy. Flexible Premium Universal Life Insurance Client Guide VFNLG-1E

Versa-Flex NLG. Guaranteed Protection for an Evolving Legacy. Flexible Premium Universal Life Insurance Client Guide VFNLG-1E Pacific Life Insurance Company Versa-Flex NLG Flexible Premium Universal Life Insurance Client Guide Guaranteed Protection for an Evolving Legacy VFNLG-1E VERSA-FLEX NLG As Your Life Changes, Your Life

More information

PRODUCT SPECIFICATIONS. GROUP TERM LIFE INSURANCE Employer-Funded and Employee-Paid Plans

PRODUCT SPECIFICATIONS. GROUP TERM LIFE INSURANCE Employer-Funded and Employee-Paid Plans PRODUCT SPECIFICATIONS GROUP TERM LIFE INSURANCE Employer-Funded and Employee-Paid Plans Providing life insurance is a time-honored way for employers to help employees protect their families from the financial

More information

Life. Pension Maximization: A Strategy Using Life Insurance. Retirement Perspectives. For agent use only. Not for public distribution.

Life. Pension Maximization: A Strategy Using Life Insurance. Retirement Perspectives. For agent use only. Not for public distribution. Life Pension Maximization: A Strategy Using Life Insurance Retirement Perspectives For agent use only. Not for public distribution. Pension Maximization is a life insurance strategy that has been around

More information

For the Employees of Amarillo Independent School District. Critical Illness Insurance. A limited benefit policy

For the Employees of Amarillo Independent School District. Critical Illness Insurance. A limited benefit policy For the Employees of Amarillo Independent School District Critical Illness Insurance A limited benefit policy A critical illness isn t polite. It doesn t announce its presence before barging into your

More information

WHAT YOU SHOULD KNOW. About Buying Life Insurance. Life insurance is financial protection. It provides the

WHAT YOU SHOULD KNOW. About Buying Life Insurance. Life insurance is financial protection. It provides the Life insurance is financial protection. It provides the resources your family may need to pay immediate and continuing expenses after you die. WHAT YOU SHOULD KNOW About Buying Life Insurance There are

More information

Help your clients take a step toward a stronger financial future.

Help your clients take a step toward a stronger financial future. Nationwide YourLife Current Assumption UL Sales guide Help your clients take a step toward a stronger financial future. Reasonably priced permanent life insurance with the potential for growth. FOR INSURANCE

More information

Group Term Life Insurance

Group Term Life Insurance AIG Benefit Solutions Benefits Brochure Group Term Life Insurance A voluntary plan to protect you and your family For the employees of Hallkeen Management Policies issued by: American General Life Insurance

More information

BT Protection Plans. Product Disclosure Statement and Policy Document (PDS)

BT Protection Plans. Product Disclosure Statement and Policy Document (PDS) BT Protection Plans Product Disclosure Statement and Policy Document (PDS) Dated 19 May 2014 Who s responsible for BT Protection Plans The Insurer is Westpac Life Insurance Services Limited ABN 31 003

More information

ANICO Executive Universal Life

ANICO Executive Universal Life ANICO Executive Universal Life Putting The Pieces Together For Life A Universal Life Insurance Product Issued By American National Insurance Company Galveston, TX ANICO Executive Universal Life Putting

More information

Living benefits included at no additional premium cost

Living benefits included at no additional premium cost Living benefits included at no additional premium cost TERM LIFE INSURANCE OFFERED BY: Alliance Marketing Group LC, is an independent contractor representing Western Reserve Life Assurance Co. of Ohio

More information

Pacific PRIME UL-NLG Flexible Premium, Universal Life Insurance. Flexible and Efficient Asset Protection. Pacific Life Insurance Company PP-2C

Pacific PRIME UL-NLG Flexible Premium, Universal Life Insurance. Flexible and Efficient Asset Protection. Pacific Life Insurance Company PP-2C Pacific PRIME UL-NLG Flexible Premium, Universal Life Insurance Flexible and Efficient Asset Protection PP-2C Pacific Life Insurance Company 1 Pacific PRIME UL-NLG Help Protect Your Assets with Life Insurance

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

For the employees of Spring Independent School District. Critical Illness Insurance A limited benefit policy

For the employees of Spring Independent School District. Critical Illness Insurance A limited benefit policy For the employees of Spring Independent School District Critical Illness Insurance A limited benefit policy Consider the following: A critical illnesses can derail your life. It can keep you from working.

More information

What You should Know. About Buying Life Insurance. Life insurance protects your financial future. It provides

What You should Know. About Buying Life Insurance. Life insurance protects your financial future. It provides Life insurance protects your financial future. It provides the resources your family or business may need to pay immediate and continuing expenses when you die. What You should Know About Buying Life Insurance

More information

Life Insurance Tutorial & Calculation Worksheet

Life Insurance Tutorial & Calculation Worksheet Life Insurance Tutorial & Calculation Worksheet Provided By NAVY MUTUAL AID ASSOCIATION Henderson Hall, 29 Carpenter Road, Arlington, VA 22212 Telephone 800-628-6011-703-614-1638 - FAX 703-945-1441 E-mail:

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

universal Life Insurance offered by: Alliance Group LC, is an independent contractor representing Western Reserve Life Assurance Co.

universal Life Insurance offered by: Alliance Group LC, is an independent contractor representing Western Reserve Life Assurance Co. universal Life Insurance offered by: Alliance Group LC, is an independent contractor representing Western Reserve Life Assurance Co. of Ohio 42422 0411 lliance Life happens. Are you prepared? Sometimes

More information

Peace. Mind. VivoLife. Why is it good for me? Flexible payment terms. A lifetime of protection. 4 enhanced protection 1 (up to 350% of sum assured)

Peace. Mind. VivoLife. Why is it good for me? Flexible payment terms. A lifetime of protection. 4 enhanced protection 1 (up to 350% of sum assured) Peace of Mind VivoLife Flexible payment terms. A lifetime of protection. VivoLife gives you the flexibility to choose from 3 levels of enhanced protection 1 for you and your loved ones. What s more, enjoy

More information

Advantage Builder II ABOUT AVIVA. Consumer product guide

Advantage Builder II ABOUT AVIVA. Consumer product guide ABOUT AVIVA Aviva Life and Annuity Company is part of Aviva USA, one of the fastest-growing life insurers in the United States, with more than 1,115,000 customers and 32,850 agents and distributors. We

More information

AMP Risk Protection Plan Booklet. Protect what s most important to you

AMP Risk Protection Plan Booklet. Protect what s most important to you AMP Risk Protection Plan Booklet Protect what s most important to you No matter how cautious we are, the unexpected can happen to any one of us, at any time. And our lives can change in a split second.

More information