Home Certainty Policy Specs

Size: px
Start display at page:

Download "Home Certainty Policy Specs"

Transcription

1 Home Certainty

2 Home Certainty Policy Specs Simplified issue / Non-Med Term Life Insurance 15, 20, 25 & 30 year term periods to choose from Premiums are guaranteed for the full term period Available with optional Return of Premium Rider Issued Standard through Table 4 (Accept/Reject ) Proof of Mortgage will be required Annually renewable to age 95 after the selected term period Convertible on or before the earlier of attained age 75 or when the level premium period ends

3 Home Certainty Policy Specs Issue Ages (age last birthday) Term Full Guarantee 15 Year 20 to Year 20 to Year 20 to Year 20 to 50 Minimum Policy Size - $25,000 Face Amount or $25 Base Monthly Premium (whichever is greater) Maximum Face Amount - $250,000

4 Home Certainty Policy Specs Premium Rate Classes: Unisex Preferred Tobacco pipe/cigar/chew/dip Standard Tobacco cigarette use Non-Tobacco Modal Factors monthly.088; quarterly.262; semiannual.519 Policy Fee - $80 (Fully Commissionable)

5 Home Certainty Available Riders Return of Premium Rider: After the term period, returns all of the following: Base Policy premium ROP Rider premium Policy Fee Modal Factor Beginning early as the 2nd policy year at least a portion of the premiums paid are available to be returned. The percentage of premiums that are returned increase each year until it reaches 100% at the end of the term period selected. Available on the 20, 25 & 30 Year plans only.

6 Home Certainty Available Riders Disability Income Rider: Pays a monthly benefit to the insured in the event the insured becomes totally disabled: Monthly Benefit is 2% of the Face Amount, not to exceed $1,500 (if annual income is below $25,000, the benefit cannot exceed $900 per month) The Benefit Period Runs for 2 Years 60 Day Elimination Period and the Benefits are not Retroactive Ineligible Occupations listed in Agent Guide Issue Ages: (rider terminates at age 65) Defined: Disability which keeps you from being able to perform the major duties of your regular occupation as a result of such injury or disease.

7 Home Certainty Available Riders Critical Illness Rider*: Provides a cash benefit to the insured upon the diagnosis of a covered critical illness: Available at 25%, 50% or 100% acceleration up to a maximum $100,000 critical illness benefit Requires disclosure for the Accelerated Living Benefit Rider (form no. 9543), Submit with App Covered Illnesses: - Heart Attack - Coronary Artery Bypass Graft (10% of DB) -Stroke -Invasive Cancer - Kidney Failure - Major Organ Transplant Surgery - Paralysis - Blindness - Terminal Illness - HIV contracted performing duties as professional healthcare worker Issue Ages: (rider expires at age 70) * Critical Illness not available on same policy if applying for Waiver of Premium

8 Home Certainty Available Riders Waiver of Premium*: Waives the payment of the entire policy premium (including riders) in the event of total and permanent disability. Issue Ages Coverage expires at age 60 Children s Insurance Agreement: Provides $3,000 per unit (max 5 units) on each child until age 25. Convertible up to 5 times the initial coverage without evidence. Issue ages: Children 15 Days 17 years Primary Insured: Coverage expires at Primary Insured s age 65 * WP not available on same policy if applying for Critical Illness Rider

9 Home Certainty Available Riders Accidental Death Benefit: An additional benefit paid to the beneficiary if the insured dies as the result of an accident. Available up to $200,000 or 5 times the face amount of the policy, whichever is less. Issue Ages: Benefit terminates at age 65 Level Term Insurance Rider (Spouse Only): Provides level term insurance for 20 years or to the Insured s age 70, whichever comes first. Spouse Issue Ages: Minimum Amount: $25,000 Maximum Amount: Not to exceed base policy

10 No Cost Benefits Included Terminal Illness Accelerated Benefit Rider: Can receive up to 100% of the death benefit when insured has a life expectancy of 12 months or less (24 months in some states. Requires disclosure form (9474). A Copy of Form is left with Applicant; No Signature Requirements. Accelerated Benefits Rider - Confined Care: Full Time, Permanent Residence in Nursing Home Fixed Monthly Pmt of 2.5% of face amount Requires disclosure form (9675). A Copy of Form is left with Applicant; No Signature Requirements.

11 App Completion/Submission Good Field Underwriting is essential to avoid unnecessary Underwriting delays Always Fully Complete All Required Sections and Questions Provide Complete Details to Yes answers on health questions. List any Medications currently taken and their associated conditions If additional space is needed for details regarding health questions or medications, please provide on a separate sheet of paper and submit with app Telephone Interview Completed at Point of Sale always answer Yes or No

12

13

14 Non-Med Limits* Age & Amount 20 to to 65 25, , , ,000 T T = Telephone Interview * This chart applies to both the Primary Insured & Spouse (if applying for the Level Term Rider)

15 Home Certainty Underwriting Telephone Interviews: 1. Point of Sale Completed at Time of Application from Client s Home Call vendor using Toll Free Number Identify Yourself, Company, & Product Being Applied for Applicant Completes the Rest of the Interview on their own Indicate on Application that Interview has been completed Results of Interview Transmitted to Home Office electronically 2. If a Point of Sale Interview is not completed the Home Office will initiate an Interview

16 Home Certainty Underwriting Member Companies report conditions to MIB database during the underwriting process Our Company accesses the MIB database on all Home Certainty applications MIB replies can trigger additional underwriting requirements (i.e. APS s, Exams, etc.)

17 Home Certainty Underwriting Check of National Pharmacy Databases Databases are checked on every Home Certainty Application Provides information on medications / prescriptions taken by the Applicant May trigger additional underwriting requirements (i.e. APS s, Exams, etc.)

18 Home Certainty Summary Simplified Issue Term (No Medical Exam Required) Simple Yes/No Application (1 page) 15/20/25/30 Year Premium Plans Mortgage Required May be listed on the Mortgage or a Deed of Trust Only require there to be a mortgage, no limits on when it was taken or the remaining term Maximum Face Amount not tied to amount of mortgage remaining

19 Home Certainty Summary Premiums guaranteed for the full term period Attractive Optional Riders (available at an additional cost): - ROP - WP - Children s Insurance Agreement -DIR -ADB - CIR - LTR (Spouse Only) No Cost Benefits: Terminal Illness Accelerated Benefit Rider Accelerated Benefits Rider - Confined Care After Level Premium Period, Policy Can be Kept to Age 95 on an annually renewable basis Competitive Premiums

Simplified Issue Term

Simplified Issue Term American-Amicable Life Insurance Company of Texas IA American Life Insurance Company Occidental Life Insurance Company of North Carolina Pioneer American Insurance Company Pioneer Security Life Insurance

More information

Easy Term Policy Specs

Easy Term Policy Specs Easy Term Easy Term Policy Specs Simplified issue / Non-Med Term Life Insurance 10, 20 & 30 year guaranteed level premium periods Available as a Return of Premium plan for the 20 & 30 year guaranteed level

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

Ancillary Comparison Charts

Ancillary Comparison Charts Ancillary Comparison Charts ACCIDENT PLANS Accident Plans (Page 1 of 3) STANDARD LIFE AND ACCIDENT Accident Plan Freedom Accidental Death Fraxure Care AME ASSURANT Acci Fixed-Benefit Issue Age 18-74 18-79

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

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

Foresters Lifefirst Producer Guide

Foresters Lifefirst Producer Guide Foresters Lifefirst Producer Guide Level Term Life Insurance This guide is intended to answer your questions, provide ideas to help you sell Foresters Lifefirst Level Term Insurance and is for information

More information

Final Expense Training

Final Expense Training Final Expense Training Everest / World Financial Group Golden Solution o Plan (Final Expense) Golden Solution Features Issue Ages 50-85 (Age Last) 3 Versions Depending on How Health Questions Are Answered

More information

Sage Term - Product Guide PRODUCT GUIDE. Sage Term. SagicorLifeUSA.com

Sage Term - Product Guide PRODUCT GUIDE. Sage Term. SagicorLifeUSA.com PRODUCT GUIDE Sage Term SagicorLifeUSA.com Table of Contents 3-4 4 5 Sage Term Product Information Accelerated Benefit Rider (Inherent) Optional Riders - Accidental Death Benefit Rider Children s Term

More information

Commit to Quit Term Life Product Guide

Commit to Quit Term Life Product Guide Commit to Term Life Product Guide According to the Department of Health and Human Services Nearly 1 in 5 adults and teenagers smoke CIGARETTES More than16 MILLION people already have at least one smoking-related

More information

New Vantage Whole Life Insurance

New Vantage Whole Life Insurance New Vantage Whole Life Insurance Agent Training For Producer Use Only This presentation is intended for producer use only and should not be disclosed to the public. The information contained in this presentation

More information

Family Life Insurance Company LBS. Living Benefit Series. Critical Choice LBS. Living Benefit Series. Agent Guide AGT-VL/VCC 0314

Family Life Insurance Company LBS. Living Benefit Series. Critical Choice LBS. Living Benefit Series. Agent Guide AGT-VL/VCC 0314 Family Life Insurance Company LBS Living Benefit Series Critical Choice LBS Living Benefit Series AGT-VL/VCC 0314 Agent Guide Table of Contents Product Specifications - Viva Life Life Insurance Benefit....

More information

FOUNDATIONAL LIFE FOUNDATIONAL LIFE. Representative Guide

FOUNDATIONAL LIFE FOUNDATIONAL LIFE. Representative Guide FOUNDATIONAL LIFE FOUNDATIONAL LIFE Representative Guide Contents What is Foundational Life insurance?............................. 3 Why is it Unique?...................................................

More information

Term Life Insurance. Permanent Life Insurance PRODUCT GUIDE 4987-02A-JUL14. LifePhases is marketed through PPI Solutions.

Term Life Insurance. Permanent Life Insurance PRODUCT GUIDE 4987-02A-JUL14. LifePhases is marketed through PPI Solutions. Term Life Insurance Permanent Life Insurance PRODUCT GUIDE 4987-02A-JUL14 LifePhases is marketed through PPI Solutions. This document is a summary of the various features of the LifePhases and LifePhases

More information

A heart attack doesn t have to be financially devastating, if you re prepared.

A heart attack doesn t have to be financially devastating, if you re prepared. Critical Illness Cash Plan A heart attack doesn t have to be financially devastating, if you re prepared. Humana Financial Protection Products GNA078QHH 1/10 MI Critical Illness Cash Plan Protect yourself

More information

State Employees and Teachers

State Employees and Teachers State Employees and Teachers Supplemental Life Insurance Program Offered by F0272 0414 Not Affiliated with the Government Needs Analysis Survivor s Income Life Insurance How well will you live when you

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

Graded Death Benefit Term & Graded Death Benefit Whole Life From Fidelity Life Association. Product and New Business Guide

Graded Death Benefit Term & Graded Death Benefit Whole Life From Fidelity Life Association. Product and New Business Guide Graded Death Benefit Term & Graded Death Benefit Whole Life From Fidelity Life Association. Product and New Business Guide For Producer Use Only Not For Distribution To The General Public M3002 Rev. July

More information

How much insurance cover?

How much insurance cover? How much insurance cover? We consider life and TPD insurance coverage to be family protection it is about protecting your family. Life Insurance The purpose of life insurance is to provide your dependants

More information

Product specification

Product specification Product specification Term life insurance CriticaLife /Level Term Life General information Issue ages: Individual: 10 year duration 18-70; 20year duration 18-60 Spouse: 10 or 20 year duration 18-60 Child:

More information

A Mortgage Insurance Plan designed specifically with you the Mortgage Broker in Mind

A Mortgage Insurance Plan designed specifically with you the Mortgage Broker in Mind A Mortgage Insurance Plan designed specifically with you the Mortgage Broker in Mind Unique Coverage approach with competitive premiums No paperwork using our Internet Delivery System Increase revenue

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

Lincoln LifeElements Level Term (2014) Product Reference Guide Table of Contents

Lincoln LifeElements Level Term (2014) Product Reference Guide Table of Contents FOR LIFE Product Reference Guide Lincoln LifeElements Level Term (2014) This information was compiled by Product & Distribution Support. For questions contact Annie Raasch annie.raasch@lfg.com. You re

More information

Group Mortgage Loan Insurance

Group Mortgage Loan Insurance Group Mortgage Loan Insurance Protecting your investment... Life and Critical Illness coverage up to $1,000,000 Disability coverage up to $3,500 Single, joint and multi-applicant rates available Full or

More information

Questions) National)Life)Group) Fidelity)Life) Sagicor)

Questions) National)Life)Group) Fidelity)Life) Sagicor) Featured Carriers Questions) National)Life)Group) Fidelity)Life) Sagicor) Is)a)Medical) Exam)Required?) NoMedicalExamis required. NoMedicalExamisrequired. NoMedicalExamis required. How)long)will) the)application)

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

Sun Critical Illness Insurance

Sun Critical Illness Insurance Sun Critical Illness Insurance PRODUCT FEATURE SHEET CRITICAL ILLNESS INSURANCE gives you a lump sum payment if you are diagnosed with and survive an illness covered by your plan. Having this extra measure

More information

Sage Term - Product Guide PRODUCT GUIDE. Sage Term. SagicorLifeUSA.com

Sage Term - Product Guide PRODUCT GUIDE. Sage Term. SagicorLifeUSA.com PRODUCT GUIDE Sage Term SagicorLifeUSA.com Table of Contents 3-4 4 5 Sage Term Product Information Accelerated Benefit Rider (Inherent) Optional Riders - Accidental Death Benefit Rider Children s Term

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

Product Reference Guide

Product Reference Guide FOR LIFE Product Reference Guide Lincoln LifeElements Level Term (2011) This information was compiled by Product & Distribution Support. For questions contact Annie Raasch annie.raasch@lfg.com. Hello future.

More information

Sage Whole Life - Product Guide PRODUCT GUIDE. Sage Whole Life. SagicorLifeUSA.com

Sage Whole Life - Product Guide PRODUCT GUIDE. Sage Whole Life. SagicorLifeUSA.com PRODUCT GUIDE Sage Whole Life SagicorLifeUSA.com Table of Contents 3 4 Sage Whole Life Product Information Inherent Rider - Accelerated Benefit Insurance Rider 4 Optional Riders - Accidental Death Benefit

More information

No Lapse Universal Life Product Guide PLATINUM SERIES

No Lapse Universal Life Product Guide PLATINUM SERIES PLATINUM SERIES No Lapse Universal Life Product Guide For Producer Use Only. Not for Public Distribution. Sagicor Life Insurance Company is Rated A- (Excellent) by A.M. Best Company 4179 S1000710 TABLE

More information

Mutual of Omaha. Mark Lyons JD CLU ChFC CEBS MSFS Life Brokerage Sales Director

Mutual of Omaha. Mark Lyons JD CLU ChFC CEBS MSFS Life Brokerage Sales Director Mutual of Omaha Mark Lyons JD CLU ChFC CEBS MSFS Life Brokerage Sales Director Product Philosophy We re a full service, multi-line organization. Mutual of Omaha Insurance Company (founded in 1909) Underwrites

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

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

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

AG Select-a-Term Level-premium term insurance with 17 term periods

AG Select-a-Term Level-premium term insurance with 17 term periods Producer Guide AG Select-a-Term Level-premium term insurance with 17 term periods Level-Premium Term Insurance with 10-, 15-, 16-, 17-, 18-, 19-, 20-, 21-, 22-, 23-, 24-, 25-, 26-, 27-, 28-, 29- and 30-

More information

Alpha Waiver of Premium Payments

Alpha Waiver of Premium Payments ADDITIONAL LIFE BENEFITS Alpha Waiver of Premium Payments At any Individual of up to 64 year of age who buys a life insurance policy with Alpha Insurance Waives the obligation of the policy owner to continue

More information

Life Insurance to Prepare for Life s Journey!

Life Insurance to Prepare for Life s Journey! Life Insurance to Prepare for Life s Journey! Agent Product and Underwriting Guide Term Life Insurance Policy - Issued by National Western Life Insurance Company Policy Form 01-1123L-01 and state variations

More information

AG Select-a-Term Level-premium term insurance with 17 term periods. Producer Guide

AG Select-a-Term Level-premium term insurance with 17 term periods. Producer Guide Producer Guide AG Select-a-Term Level-premium term insurance with 17 term periods Level-Premium Term Insurance with 10-, 15-, 16-, 17-, 18-, 19-, 20-, 21-, 22-, 23-, 24-, 25-, 26-, 27-, 28-, 29- and 30-

More information

Term Assurance INVESTMENTS PENSIONS PROTECTION

Term Assurance INVESTMENTS PENSIONS PROTECTION Term Assurance About Canada Life Established in 1903, the Canada Life Group has grown to be a modern and dynamic international financial services business. We are part of Great-West Life, one of the world

More information

FURMAN UNIVERSITY. Special Benefits Open Enrollment April 14, 2015 April 24, 2015

FURMAN UNIVERSITY. Special Benefits Open Enrollment April 14, 2015 April 24, 2015 FURMAN UNIVERSITY Special Benefits Open Enrollment April 14, 2015 April 24, 2015 Dear Furman University Faculty and Staff, At Furman University, we believe your benefits make a difference to you, your

More information

The United American Final Expense Plan 400 Series

The United American Final Expense Plan 400 Series UA INDIVIDUAL WHOLE LIFE Final Expense Plan provides the following insurance features: Permanent whole life insurance coverage issue ages -. Choice of Benefit... Level or Increasing. Increasing Benefit

More information

Group Accident Insurance

Group Accident Insurance Group Accident Insurance An accident insurance plan provides benefits to help cover the costs associated with unexpected bills. This plan pays over and above medical and can purchase without having medical

More information

Level Premium Term Insurance

Level Premium Term Insurance Term Level Premium Term Insurance Is term insurance right for you? One policy. One premium. One company. A multitude of coverages. Product issued by Life Insurance Company of the Southwest This marketing

More information

Assurity Life s Critical Illness Insurance, NonMed Term 350, and Simplified Whole Life Insurance Products. USBI# 948566 062414 A219-1013 (Rev.

Assurity Life s Critical Illness Insurance, NonMed Term 350, and Simplified Whole Life Insurance Products. USBI# 948566 062414 A219-1013 (Rev. Assurity Life s Critical Illness Insurance, NonMed Term 350, and Simplified Whole Life Insurance Products USBI# 948566 062414 A219-1013 (Rev. 12/13) Critical Illness Why Critical Illness Insurance What

More information

Your guide to Term Insurance

Your guide to Term Insurance Protection Solutions Your guide to Term Insurance with Standard Life Making Retirement Better Grow. Protect. Live. Transfer. Hello. More and more people are looking for financial security that will get

More information

AG Select-a-Term Level-premium term insurance with 17 term periods

AG Select-a-Term Level-premium term insurance with 17 term periods Producer Guide AG Select-a-Term Level-premium term insurance with 17 term periods Level-Premium Term Insurance with 10-, 15-, 16-, 17-, 18-, 19-, 20-, 21-, 22-, 23-, 24-, 25-, 26-, 27-, 28-, 29- and 30-

More information

Gerber Life Insurance Product Offerings

Gerber Life Insurance Product Offerings Children s Coverage The Grow-Up Plan is whole life insurance designed for children ages 14 days to 14 years old. Purchased by parents, grandparents, and permanent legal guardians, Gerber Life s Grow-Up

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

Lincoln TermAccel Level Term

Lincoln TermAccel Level Term Lincoln TermAccel Level Term Product Reference Guide Products issued by: The Lincoln National Life Insurance Company For agent or broker use only. Not for use with the public. Table of Contents Lincoln

More information

Straightforward, assured life insurance that keeps pace with your life. assuresm. life WASHINGTON NATIONAL LA-BR

Straightforward, assured life insurance that keeps pace with your life. assuresm. life WASHINGTON NATIONAL LA-BR Straightforward, assured life insurance that keeps pace with your life life WASHINGTON NATIONAL assuresm LA-BR Life insurance to age 98 without lifelong premiums Washington National Life Assure SM offers

More information

Level Term Insurance 62780 MK2303(1106) TC30189(1106) For Agent Use Only - Not For Use with the Public

Level Term Insurance 62780 MK2303(1106) TC30189(1106) For Agent Use Only - Not For Use with the Public Level Term Insurance AGENT GUIDE 62780 MK2303(1106) TC30189(1106) For Agent Use Only - Not For Use with the Public Introduction L ife Insurance Company of the Southwest is pleased to bring you seven level

More information

Assurant Supplemental Coverage

Assurant Supplemental Coverage TEXAS Assurant Supplemental Coverage Plans that pay cash benefits right to you Time Insurance Company Assurant Health is the brand name for products underwritten and issued by Time Insurance Company. Cash

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 Primary Representative for Indiana Manufacturers before the Indiana General Assembly

The Primary Representative for Indiana Manufacturers before the Indiana General Assembly The Primary Representative for Indiana Manufacturers before the Indiana General Assembly All IMA Sponsored Insurance Products Distributed via Indiana Independent Agents 120 year old Mutual Company Financially

More information

Term Life Insurance for Individuals. LifeEssentials Valuable Protection for You and Your Family

Term Life Insurance for Individuals. LifeEssentials Valuable Protection for You and Your Family Term Life Insurance for Individuals LifeEssentials Valuable Protection for You and Your Family Sound, Flexible Coverage from the Company You Know and Trust. Smart, customized plans you can count on. At

More information

HOME PROTECTION PLAN MORTGAGE INSURANCE. Mortgage Insurance. that is Custom Built to Meet Your Needs

HOME PROTECTION PLAN MORTGAGE INSURANCE. Mortgage Insurance. that is Custom Built to Meet Your Needs HOME PROTECTION PLAN MORTGAGE INSURANCE Mortgage Insurance that is Custom Built to Meet Your Needs Mortgage Insurance that is Custom Built to Meet Your Needs Your mortgage insurance should offer you sufficient

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

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

Critical PROVIDER FIELD UNDERWRITING GUIDE & RATE BOOK

Critical PROVIDER FIELD UNDERWRITING GUIDE & RATE BOOK G T L Critical PROVIDER FIELD UNDERWRITING GUIDE & RATE BOOK 10 OR 20 YEAR RENEWABLE TERM LIFE INSURANCE WITH A CRITICAL ILLNESS ACCELERATED BENEFIT RIDER WHICH PROVIDES CASH BENEFITS FOR 18 CRITICAL CONDITIONS

More information

Please review the Website Disclaimer for important information about the contents of this page.

Please review the Website Disclaimer for important information about the contents of this page. Please review the Website Disclaimer for important information about the contents of this page. Accident Accident coverage is designed to help cover the expenses associated with a covered accidental injury.

More information

MedGuard Critical Illness Insurance

MedGuard Critical Illness Insurance MedGuard Critical Illness Insurance Exclusively marketed by: TM MedGuard-BR-FL-FLIC-0410 Quality Coverage When You Need It Most MedGuard Although nobody likes to think about it, the possibility of being

More information

Optional Group Critical Illness. Financial support at a critical time

Optional Group Critical Illness. Financial support at a critical time Optional Group Critical Illness Financial support at a critical time Medical advances have greatly increased the ability of Canadians to survive a critical illness. However, few of us are prepared for

More information

Living Promise Whole Life Insurance

Living Promise Whole Life Insurance United of Omaha Life Insurance Company Companion Life Insurance Company Mutual of Omaha Affiliates Living Promise Whole Life Insurance Product and Underwriting Guide U8500_0813 For producer use only. Not

More information

Rockford Public Schools District 205 Benefits Enrollment Presentation. Underwritten by: United of Omaha Life Insurance Company

Rockford Public Schools District 205 Benefits Enrollment Presentation. Underwritten by: United of Omaha Life Insurance Company Rockford Public Schools District 205 Benefits Enrollment Presentation Underwritten by: United of Omaha Life Insurance Company 15184 Topics Benefits and features How to enroll for coverage Questions What

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

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living

More information

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living

More information

Critical Illness Insurance. Simplified Second Chance 6 covered illnesses and surgeries

Critical Illness Insurance. Simplified Second Chance 6 covered illnesses and surgeries Critical Illness Insurance Simplified Second Chance 6 covered illnesses and surgeries Simplified Second Chance Covers added expenses that come along with a critical illness Being diagnosed with cancer,

More information

Mortgage Insurance. The Canadian Financial Security Program. What To Consider Before You Buy. The Safest Way To Protect One of Life s Biggest Assets

Mortgage Insurance. The Canadian Financial Security Program. What To Consider Before You Buy. The Safest Way To Protect One of Life s Biggest Assets Mortgage Insurance What To Consider Before You Buy The Safest Way To Protect One of Life s Biggest Assets Mortgage Insurance What To Consider Before You Buy Revised Edition - June 2005 Published by True

More information

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living

More information

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living

More information

IMPORTANT. Life Insurance for a Lifetime of Change Determine life insurance needs by examining current and future financial obligations.

IMPORTANT. Life Insurance for a Lifetime of Change Determine life insurance needs by examining current and future financial obligations. IMPORTANT This training overview is not state-specific. Refer to your state s policy for detailed information. This T390 Basic Product training slideshow: Is required self-study pre-work for Enrollment

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

SECTION C Life Plans

SECTION C Life Plans SECTION C Life Plans WL PLAN OR RIDER Premium Information... C - 2 Heritage (WL-05-100)... C - 3 Contender - (WL-05-95)... C - 4 Patriot - (WL-05-75)... C - 5 Sentinel -(WL-05-65)... C - 6 Liberty -(SPWL-05)...

More information

Maintain your lifestyle even when the unexpected happens

Maintain your lifestyle even when the unexpected happens AIA SECURE CRITICAL COVER PROTECTION Maintain your lifestyle even when the unexpected happens Lessen your financial burden with affordable Critical Illness coverage. aia.com.sg Cancer is the No.1 killer

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

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

Portability and Conversion Side by Side. A Simple Way to Compare Your Options.

Portability and Conversion Side by Side. A Simple Way to Compare Your Options. EMPLOYEE GUIDE Group Life and Conversion and Conversion Side by Side. A Simple Way to Compare Your Options. Your group life insurance from The Hartford 1 is valuable financial protection for you and your

More information

THE HARTFORD 1 GUIDE TO. Term Life Insurance

THE HARTFORD 1 GUIDE TO. Term Life Insurance THE HARTFORD 1 GUIDE TO Term Life Insurance 44 percent of U.S. households had individual life insurance as of 2010 a 50-year low. In 1992, 55 percent owned it. In 1960, 72 percent of Americans owned individual

More information

Symbility Health Adjudicare Group Insurance Plan Outline

Symbility Health Adjudicare Group Insurance Plan Outline Symbility Health Adjudicare Group Insurance Plan Outline 2013 Symbility Solutions Inc. Who is Eligible? All Eligible Employees under the age of 65, working a minimum average of 15 hours per week are Eligible

More information

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Simply Smarter Life Insurance Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Budget Direct Life Insurance and Budget Direct Accidental Death Insurance

More information

AG Select-a-Term. Pricing effective March 17, 2014.

AG Select-a-Term. Pricing effective March 17, 2014. AG Select-a-Term CONSUMER Guide 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 Pricing effective March 17, 2014.

More information

Foundational Life. a guide for Representatives

Foundational Life. a guide for Representatives Foundational Life a guide for Representatives 1 CONTENTS What is Foundational Life?............................. 4 Why is it Unique?................................... 4 How Does Foundational Life Work?......................

More information

Additional General Information regarding Personal Protection

Additional General Information regarding Personal Protection Additional General Information regarding Personal Protection Information regarding the research we used The research house we subscribe to regarding personal protection is Omnium. In a separate document

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

0/0/0/100 0/0/0/0 100/68/0/31 100/65/30/70 60/20/5/10. Guaranteed Universal Life Insurance

0/0/0/100 0/0/0/0 100/68/0/31 100/65/30/70 60/20/5/10. Guaranteed Universal Life Insurance 0/0/0/100 0/0/0/0 100/68/0/31 100/65/30/70 60/20/5/10 Guaranteed Universal Life Insurance You have a picture of the way you want your life to go. Now imagine if something happens that not only changes

More information

Continuing Your Group Term Life Insurance Coverage. The Prudential Insurance Company of America (Prudential) 0177151

Continuing Your Group Term Life Insurance Coverage. The Prudential Insurance Company of America (Prudential) 0177151 Continuing Your Group Term Life Insurance Coverage The Prudential Insurance Company of America (Prudential) 0177151 INTRODUCTION Now that YOU* may no longer be eligible for group life insurance coverage

More information

Tennessee Application for Acci-Flex Insurance This application includes all forms needed to apply for Acci-Flex Insurance.

Tennessee Application for Acci-Flex Insurance This application includes all forms needed to apply for Acci-Flex Insurance. Toll Free: 1-800-276-7619, Ext. 4264 AssureLINK Address: http://assurelink.assurity.com Tennessee Application for Acci-Flex Insurance This application includes all forms needed to apply for Acci-Flex Insurance.

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

term life 10, 15, 20, 30

term life 10, 15, 20, 30 Companion Life Insurance Company A Mutual of Omaha Company term life 10, 15, 20, 30 product and underwriting guide Y6754_1208 For producer use only. Not for use with the general public. Term Life 10, 15,

More information

Simple, Affordable & SAFE!

Simple, Affordable & SAFE! California State Firefighters Employee Welfare Benefits Corporation Simple, Affordable & SAFE! Limited Time Simplified Issue Offer Group Term Life Insurance Application (10-Year Level Term Rate) C2 ReliaStar

More information

Level, Renewable and Family Income Protection Key Features

Level, Renewable and Family Income Protection Key Features Level, Renewable and Family Income Protection Key Features Lifetime Protection from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority

More information

Term 10, 20 & 30-Year Level Premium Annual Renewal Term (ART) AT2006 (05-14)

Term 10, 20 & 30-Year Level Premium Annual Renewal Term (ART) AT2006 (05-14) AT2006 (05-14) Term 10, 20 & 30-Year Level Premium Annual Renewal Term (ART) Product specifications Ages issued, nearest birthday 10-Year 18-75 (18-70 Tobacco classes) 20-Year 18-65 (18-60 Tobacco classes)

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

Life Insurance HELP PROTECT YOUR HOME, FAMILY AND INCOME. Life insurance can help protect what s important to you. TC84163(0415)3 Cat No 62686 (0415)

Life Insurance HELP PROTECT YOUR HOME, FAMILY AND INCOME. Life insurance can help protect what s important to you. TC84163(0415)3 Cat No 62686 (0415) Life Insurance HELP PROTECT YOUR HOME, FAMILY AND INCOME Life insurance can help protect what s important to you Product issued by Life Insurance Company of the Southwest Cat No 62686 (0415) Help Protect

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

Term life insurance. from Great-West Life. Cost-effective, flexible and convertible coverage

Term life insurance. from Great-West Life. Cost-effective, flexible and convertible coverage Term life insurance from Great-West Life Cost-effective, flexible and convertible coverage It s about your needs Convert to a longer term If you elect a term 10 life insurance policy, you can convert to

More information

PROVIDER PRODUCT BROCHURE RETURN OF PREMIUM & 50% CRITICAL CONDITION BENEFIT AVAILABLE

PROVIDER PRODUCT BROCHURE RETURN OF PREMIUM & 50% CRITICAL CONDITION BENEFIT AVAILABLE G T L PROVIDER 10 OR 20 YEAR RENEWABLE TERM LIFE INSURANCE PROVIDES CASH BENEFITS FOR 18 CRITICAL CONDITIONS ISSUE AGES 0-60 SIMPLIFIED, JET ISSUE UNDERWRITING PRODUCT BROCHURE RETURN OF PREMIUM & CRITICAL

More information