Two people, one policy. Affordable long-term care coverage for both.
|
|
- Margaret Shelton
- 8 years ago
- Views:
Transcription
1 Log-term care rider, available o Natiowide YourLife No-Lapse Guaratee SUL II Feature guide LIFE INSURANCE + LONG-ERM CARE wo people, oe policy. Affordable log-term care coverage for both. NAIONWIDE LIFE AND ANNUIY INSURANCE COMPANY
2 LC Rider Available o Natiowide YourLife No-Lapse Guaratee SUL II Log-term care beefits each isured ca cout o Natiowide has a way to add a log-term care (LC) rider for up to two people oto oe life isurace policy. It s a affordable ad flexible way to help esure you have fuds to pay for LC expeses while addressig legacy ad estate plaig eeds. he Natiowide log-term care rider, offered at a additioal cost, is ot available i all states. he ame of the rider may ot actually be log-term care rider i certai states. Protectios ad guaratees are subject to the claims-payig ability of Natiowide Life ad Auity Isurace Compay. A log-term care rider has exclusios, limitatios, reductios of beefits ad terms uder which the rider may be cotiued i force or discotiued. For more details o cost ad coverage optios, cotact your fiacial advisor.
3 LC Rider Available o Natiowide YourLife No-Lapse Guaratee SUL II Add a log-term care rider for up to two people o oe policy If you eed life isurace ad wat a pla for dealig with log-term care (LC) costs, addig a LC rider to your Natiowide life isurace policy may be a good solutio for you. I fact, the LC rider, available o Natiowide YourLife No-Lapse Guaratee SUL II, helps you cover LC costs for oe or both isureds with oe life isurace policy. It s a flexible solutio for may life scearios: ADUL CHILD AND PAREN Help cover LC expeses for a paret ad a adult child. SPOUSES Help cover LC expeses ad preserve a legacy for your childre. DOMESIC PARNERS Help cover LC expeses ad protect your assets. Watch a video that describes the beefits of the LC rider for your specific life sceario. Visit atiowide.com/lc4two FAC: 75% he majority of cosumers say they thik they will live log eough to eed LC isurace. Natiowide Health Care Costs i Retiremet Survey, 0.
4 LC Rider Available o Natiowide YourLife No-Lapse Guaratee SUL II Your LC Rider GEING SARED Determie the amout of life isurace you eed CASH INDEMNIY BENEFI LC rider beefits are paid directly to the policyower oce the isured has qualified for the claim. No mothly receipts or paperwork is required it is what we call our cash idemity beefit. Oce you meet the requiremets ad elimiatio period, the rider beefits will help cover the costs of LC care, such as: Determie the amout of LC coverage for each isured. Each isured ca select betwee 0% ad 50% of the policy s total specified amout USING HE BENEFIS Home health care Iformal care Nursig home care No mothly receipts or paperwork is eeded he log-term care beefits are paid directly to the policyower after qualifyig requiremets are met INSURANCE POLICY + LC Each isured has access to his or her ow pool of log-term care beefits LEAVING A LEGACY Ay qualifyig LC service Assisted livig If o LC beefits are used, the etire death beefit will be paid Adult day care to the beeficiary upo the death of the secod isured If LC beefits have bee used, ay remaiig death beefit will be paid to the beeficiaries upo the death of the secod isured Please remember each isured plaig to elect the rider coverage must be i good health because he or she will be fully uderwritte for the life isurace policy ad the LC rider. his rider does ot cover ay expese that results from: Suicide, itetioally self-iflicted ijuries, or attempts at suicide (either while sae or isae) Committig or attemptig to commit a feloy Alcoholism or drug addictio, uless addictio results from admiistratio of drugs for treatmet prescribed by a physicia War or ay act of war, whether declared or udeclared Bills ad mothly receipts may be requested to validate a claim. If both isureds use all of their LC beefits, a guarateed miimum death beefit will be paid to their beeficiaries. 4 5
5 LC Rider Available o Natiowide YourLife No-Lapse Guaratee SUL II How you qualify for beefits hree thigs have to happe i order for mothly LC beefits to begi for each isured: Your licesed healthcare practitioer must certify that (a) you have a severe cogitive impairmet, OR (b) you are uable to perform two or more of the followig activities of daily livig for a period of 90-caledar-days: Bathig atig B Eathig oiletig otiece E Catig D ressig C oiletig otiece rasferrig (movig ito or out Dressig rasferrig (movig ito or out of a bed, chair or wheelchair) of a bed, chair, or wheelchair) Before beefits begi, the isured must complete a 90-caledar-day elimiatio period. Each isured must meet his or her ow elimiatio period, ad oce met, it is met for life. Upo filig a claim, you must submit a plaed program of observatio ad treatmet. Your pla of care will be recertified aually by a licesed healthcare practitioer. Your family members may provide care, ad this is ot limited to your FAC: immediate family members. 6 4 About 70% of adults over age 65 will eed some type of log-term care.4 Navigo (Jue 0, 0), Log-erm Care Isurace Statistics. 7
6 LC Rider Available o Natiowide YourLife No-Lapse Guaratee SUL II HOW HE MONHLY MAXIMUM BENEFI IS CALCULAED Each isured has a separate pool of LC beefits; here s how that amout is calculated for each pool. he beefit amout will be the LESSER of: % of the log-term care specified amout for each isured or x the HIPAA per diem amout x 0 days he maximum tax-free beefit for LC is the greater of actual costs icurred or the per diem rate established by the Health Isurace Portability ad Accoutability Act (HIPAA), which is curretly $0 per day (05).* HOW LONG WILL BENEFIS BE PAID? As log as the isured remais eligible, you ll cotiue to receive mothly LC beefits util the total amout paid is the LESSER of: he LC coverage desigated whe the policy was established, or he LC coverage desigated less ay outstadig withdrawals, loas ad loa iterest NAIONAL AVERAGE ANNUAL COSS FOR LONG-ERM CARE5 N ursig Home (private room) $9,50 N ursig Home (semi-private room) $80,00 Licesed Home Health Aide Services $4,680 A ssisted Family Livig Facility $4,00 A dult Day Care $7,940?? If you have questios about addig a LC rider to a Natiowide YourLife No-Lapse Guaratee SUL II policy talk to your isurace professioal today. * Natiowide caot guaratee that LC beefit paymets will be treated as tax-free give the taxpayer s specific circumstaces, especially whe beefits are used to pay for care provided by family members or collected from more tha oe policy. Federal tax laws are complex ad subject to chage. Neither the compay or its represetatives give legal or tax advice. Costs vary by regio ad provider used for care. 8 5 Geworth 05 Cost of Care Survey, April, 05 9
7 he isurace professioal or compay may cotact you i respose to your request for additioal iformatio. he iformatio cotaied herei was prepared to support the promotio, marketig, ad/or sale of life isurace cotracts, auity cotracts ad/or other products ad services provided by Natiowide Life ad Auity Isurace Compay. Your coverage uder the LC rider is guarateed reewable. his meas Natiowide will ot uilaterally cacel or reduce coverage uder this Rider. Uless you request termiatio of this Rider, it will remai i force as log as the Policy remais i force. Your mothly LC rider charge rate caot icrease beyod the maximums stated i your policy. However, Natiowide has the right to icrease your curret mothly LC Rider charge rates, up to the Guarateed Maximum Mothly LC Rider Charge Rate. Ay chage i the curret mothly LC rider charge rate will be o a uiform basis for Isured s of the same sex, Issue Age, product, rate type ad rate class whose Policies have bee i force for the same duratio. All guaratees ad beefits of the isurace policy are subject to the claims-payig ability of the issuig isurace compay. Policy guaratees ad beefits are ot backed by the broker/dealer ad/or isurace agecy sellig the policy, or by ay of their affiliates, ad oe of them makes ay represetatios or guaratees regardig the claims-payig ability of the issuig isurace compay. Approval for coverage uder the policy ad LC riders is subject to uderwritig ad may require a medical exam. As your persoal situatios chage (i.e., marriage, birth of a child or job promotio), so will your life isurace eeds. Care should be take to esure this product is suitable for your log-term life isurace eeds. You should weigh ay associated costs before makig a purchase. Life isurace has fees ad charges associated with it that iclude cost of isurace based o your sex, health ad age, ad has additioal charges for riders that customize a policy to fit your idividual eeds. All guaratees ad beefits of the isurace policy are subject to the claimspayig ability of the issuig isurace compay. Policy guaratees ad beefits are ot backed by the broker/dealer ad/or isurace agecy sellig the policy, or by ay of their affiliates ad oe of them makes ay represetatio or guaratees regardig the claims-payig ability of the issuig isurace compay. Keep i mid that as a acceleratio of the death beefit, the log-term care rider payout will reduce both the death beefit ad cash surreder values. Care should be take to make sure that your life isurace eeds cotiue to be met eve if the etire death beefit is accelerated by the log-term care rider payout. here is o guaratee that the rider will cover the etire cost for all of the isured s log-term care as these vary with the eeds of each isured. he log-term care rider has a additioal charge associated with it. A life isurace purchase should be based o the life policy, ad ot optioal riders or features. he cost of a rider may exceed the actual beefit paid uder the rider. Life Isurace is uderwritte by Natiowide Life Isurace Compay or Natiowide Life ad Auity Isurace Compay, Columbus, Ohio. Natiowide, the Natiowide N ad Eagle, Natiowide is o your side ad Natiowide YourLife are service marks of Natiowide Mutual Isurace Compay 05 Natiowide (0/5)
Death Beefits from Pacific Life
Ehace Your Fiacial Legacy Variable Auities with Death Beefits from Pacific Life 9/15 20188-15C FOR CALIFORNIA As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three
More informationEnhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life
Ehace Your Fiacial Legacy Variable Auity Death Beefits from Pacific Life 7/15 20172-15B As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three death beefits that
More informationTwo people, one policy. Affordable long-term care coverage for both.
Long-term care rider, available on Nationwide YourLife No-Lapse Guarantee SUL II Feature guide LIFE INSURANCE + LONG-TERM CARE Two people, one policy. Affordable long-term care coverage for both. NATIONWIDE
More informationSavings and Retirement Benefits
60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you
More informationHealth and dental coverage that begins when your group health benefits end
Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5 FollowMeTM Health ca be your solutio. Life is full of chages. Some are
More informationIndexed Survivor Universal Life. Agent product guide 15887 7/10
Idexed Survivor Uiversal Life Aget product guide 15887 7/10 Idexed Survivor Uiversal Life is a flexible premium survivor uiversal life isurace policy with a idex-liked iterest creditig feature. Buildig
More informationHow to use what you OWN to reduce what you OWE
How to use what you OWN to reduce what you OWE Maulife Oe A Overview Most Caadias maage their fiaces by doig two thigs: 1. Depositig their icome ad other short-term assets ito chequig ad savigs accouts.
More informationsummary of cover CONTRACT WORKS INSURANCE
1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.
More informationLife & Disability Insurance. For COSE Employer Groups with 10+ Employees
Life & Disability Isurace For COSE Employer Groups with 10+ Employees Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted
More informationFor customers Key features of the Guaranteed Pension Annuity
For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether
More informationDisability Income Insurance
Disability Icome Isurace Admiistered by The Parters Group ad Member Compay Kerr Cruickshak Member Compay: Negotiated Limited Time Offer INDIVIDUAL DISABILITY COVERAGE PROGRAM HIGHLIGHTS: Discouted, Specialty,
More informationTIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life
TIAA-CREF Wealth Maagemet Persoalized, objective fiacial advice for every stage of life A persoalized team approach for a trusted lifelog relatioship No matter who you are, you ca t be a expert i all aspects
More informationPENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place.
PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.
More informationInformation about Bankruptcy
Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet
More informationRetirement System for Employees and Teachers of the State of Maryland. MARYLAND STATE RETIREMENT and PENSION SYSTEM. Benefits
Retiremet System for Employees ad Teachers of the State of Marylad hadbook ed 0 vis 01 R e ly 2 Ju MARYLAND STATE RETIREMENT ad PENSION SYSTEM Beefits RETIREMENT SYSTEM FOR EMPLOYEES AND TEACHERS OF THE
More informationAmendments to employer debt Regulations
March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios
More information.04. This means $1000 is multiplied by 1.02 five times, once for each of the remaining sixmonth
Questio 1: What is a ordiary auity? Let s look at a ordiary auity that is certai ad simple. By this, we mea a auity over a fixed term whose paymet period matches the iterest coversio period. Additioally,
More informationHow To Get A Kukandruk Studetfiace
Curret Year Icome Assessmet Form Academic Year 2015/16 Persoal details Perso 1 Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address
More informationVoluntary Life and AD&D Insurance
Volutary Life ad AD&D Isurace Date: March 2014 To: All JMA beefit eligible members From: Wells Fargo Isurace Services Re: Volutary Life & Accidetal Death ad Dismembermet (AD&D) isurace If you choose to
More informationLife Insurance: Your Blueprint for Wealth Transfer Planning. Producer Guide to Private Split Dollar Arrangements. Your future. Made easier.
Life Isurace: Your Blueprit for Wealth Trasfer Plaig Producer Guide to Private Split Dollar Arragemets These materials are ot iteded to be used to avoid tax pealties ad were prepared to support the promotio
More informationMainStay Funds IRA/SEP/Roth IRA Distribution Form
MaiStay Fuds IRA/SEP/Roth IRA Distributio Form Do ot use for IRA Trasfers or SIMPLE IRA INSTRUCTIONS Before completig this form, please refer to the applicable Custodial Agreemet ad Disclosure Statemet
More informationASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY
ASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY Thak you for your iterest i the ISMA s Group Term Life Isurace product. Per your request, please fid eclosed the followig: A product brochure
More informationGet advice now. Are you worried about your mortgage? New edition
New editio Jauary 2009 Are you worried about your mortgage? Get advice ow If you are strugglig to pay your mortgage, or you thik it will be difficult to pay more whe your fixed-rate deal eds, act ow to
More information5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized?
5.4 Amortizatio Questio 1: How do you fid the preset value of a auity? Questio 2: How is a loa amortized? Questio 3: How do you make a amortizatio table? Oe of the most commo fiacial istrumets a perso
More informationHow deductible plans work
Idividual ad Family Plas DEDUCTIBLE PLANS How deductible plas work Deductible plas geerally offer lower mothly premiums i exchage for payig more out of your ow pocket for services covered by your health
More informationLife & Disability Insurance. For COSE Employer Groups with 1 9 Employees
Life & Disability Isurace For COSE Employer Groups with 1 9 Employees Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted
More informationPreserving Your Financial Legacy with Life Insurance Premium Financing.
Preservig Your Fiacial Legacy with Life Isurace Premium Fiacig. Prepared by: Keeth M. Fujita, Natioal Director, The Private Bak Specialty Fiace Group Life Isurace Premium Fiace. James Mosrie, Seior Wealth
More informationHandling. Collection Calls
Hadlig the Collectio Calls We do everythig we ca to stop collectio calls; however, i the early part of our represetatio, you ca expect some of these calls to cotiue. We uderstad that the first few moths
More informationFlexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust?
Flexible Trust (Settl as trustee with optioal survivship clause) Your questios aswered Uderstadig trusts ad their implicatios ca be pretty complicated. You should always get advice from your legal adviser
More informationUse Your Home to Stay at Home. The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development
Use Your Home to The official reverse mortgage cosumer booklet approved by the U.S. Departmet of Housig & Urba Developmet The Natioal Coucil o Agig (NCOA) is committed to helpig older persos maximize all
More informationGrow your business with savings and debt management solutions
Grow your busiess with savigs ad debt maagemet solutios A few great reasos to provide bak ad trust products to your cliets You have the expertise to help your cliets get the best rates ad most competitive
More informationDC College Savings Plan Helping Children Reach a Higher Potential
529 DC College Savigs Pla Helpig Childre Reach a Higher Potetial reach Sposored by Govermet of the District of Columbia Office of the Mayor Office of the Chief Fiacial Officer Office of Fiace ad Treasury
More informationRISK TRANSFER FOR DESIGN-BUILD TEAMS
WILLIS CONSTRUCTION PRACTICE I-BEAM Jauary 2010 www.willis.com RISK TRANSFER FOR DESIGN-BUILD TEAMS Desig-builD work is icreasig each quarter. cosequetly, we are fieldig more iquiries from cliets regardig
More informationFlorida Governor Rick Scott Signs Senate Bill 408 Into Law
JUNE 2011 Florida Goveror Rick Scott Sigs Seate Bill 408 Ito Law Florida Goveror Rick Scott siged Seate Bill 408 (SB408) ito law o May 17, 2011. The legislative itet of SB408 is to reform the ustable property
More informationNew job at the Japanese company, would like to know about the health insurance. What's the process to apply for the insurance?
Cabiet ねん かせんぶ ねん しゅが かせんぶ じてん しゅうせい 8-4-2 (2008 年 下 線 部 &2009 年 朱 書 き 下 線 部 時 点 修 正 ) Level 3 Chapter Illess Sectio Public health isurace Cotets Health isurace 1 Possible questio ad backgroud. New job
More informationHow To Live At Home
What You Need To Kow About Your HECM Couselig Sessio 1. Why do I eed couselig? The US Departmet of Housig ad Urba Developmet (HUD) requires a certified couselig sessio for a federally-isured reverse mortgage,
More informationSt. Louis Public Schools
St. Louis Public Schools A Guide to Your Flexible Spedig Accout A Balaced Approach To Savig Time Ad Moey Flexible Spedig Accouts Makig the most of your moey. What if you could make your earigs stretch
More informationFrance caters to innovative companies and offers the best research tax credit in Europe
1/5 The Frech Govermet has three objectives : > improve Frace s fiscal competitiveess > cosolidate R&D activities > make Frace a attractive coutry for iovatio Tax icetives have become a key elemet of public
More informationfor producer use only Term Insurance M25260_0510
for producer use oly Term Isurace M25260_0510 May 2010, Mutual of Omaha Isurace Compay, publisher. All rights reserved. No part of this publicatio may be reproduced, stored i a retrieval system or trasmitted
More informationIn addition to information provided under the regular headings, this issue of Tax Briefing contains:
Tax Briefig ISSUE 11 - July 1993 Itroductio I additio to iformatio provided uder the regular headigs, this issue of Tax Briefig cotais: Prelimiary iformatio regardig the Amesty - see opposite A summary
More informationHSAs the American Fidelity Way:
Health Ser vices Admiistratio, LLC HSAs the America Fidelity Way: Kowledge, Experiece, Commitmet With over 30 years experiece i providig pre-tax services, America Fidelity is a pioeer i Sectio 125 flexible
More informationFor customers Income protection the facts
For customers Icome protectio the facts We ve desiged this documet to give you more iformatio about our icome protectio beefits. It does t form part of ay cotract betwee you ad/or us. This iformatio refers
More informationAbout our services and costs
About our services ad costs Cotets Whose products do we offer 2 Ivestmet 2 Isurace 2 Mortgages 2 Which services will we provide you with? 3 Ivestmet 3 Isurace 3 Mortgages 3 What will you have to pay us
More informationTrusteed IRAs. Integrate and simplify your retirement and estate plans
Trusteed IRAs Itegrate ad simplify your retiremet ad estate plas Trusteed IRAs from Merrill Lych Trust Compay To create the legacy of your dreams, you may eed more tha a Idividual Retiremet Accout ad a
More informationUse Your Home to Stay at Home. The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development
Use Your Home to The official reverse mortgage cosumer booklet approved by the U.S. Departmet of Housig & Urba Developmet The Natioal Coucil o Agig (NCOA) is committed to helpig older persos to maximize
More informationProtect your most valuable asset your ability to earn an income
The Fudametal Series Disability Icome Protectio Feature Summary Protect your most valuable asset your ability to ear a icome what happes if i ca t work? i ru my ow small busiess. what s ext? what would
More informationI apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice.
IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form
More informationUNITED LTCi SOLUTIONS
UNITE LTCi OLUTION Assured olutios GOL M CA$H-FIRT WORKPLACE OLUTION Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay Log-Term Care Isurace M FEATURING THE CA$H-FIRT AVANTAGE GC575 G819 AGENT
More informationOpportunity. Let us help you grow your business Sales Strategy Guide. Group Long-Term Care Insurance GLTC-7102 1/09
Opportuity Let us help you grow your busiess Sales Strategy Guide GLTC-7102 1/09 Group Log-Term Care Isurace Log-Term Care Isurace This could be your ext great opportuity Log-term care isurace (LTCI) is
More informationNational Institute on Aging. What Is A Nursing Home?
Natioal Istitute o Agig AgePage Nursig Homes: Makig The Right Choice Lucille has lived i her home for 33 years. Eve after her husbad died 3 years ago, she was able to maage o her ow. Recetly, she broke
More informationChapter 5 Unit 1. IET 350 Engineering Economics. Learning Objectives Chapter 5. Learning Objectives Unit 1. Annual Amount and Gradient Functions
Chapter 5 Uit Aual Amout ad Gradiet Fuctios IET 350 Egieerig Ecoomics Learig Objectives Chapter 5 Upo completio of this chapter you should uderstad: Calculatig future values from aual amouts. Calculatig
More informationWells Fargo Insurance Services Claim Consulting Capabilities
Wells Fargo Isurace Services Claim Cosultig Capabilities Claim Cosultig Claims are a uwelcome part of America busiess. I a recet survey coducted by Fulbright & Jaworski L.L.P., large U.S. compaies face
More informationComputershare Investment Plan. Best Buy Co., Inc. Common Stock
Computershare Ivestmet Pla A Direct Stock Purchase ad Divided Reivestmet Pla for Best Buy Co., Ic. Commo Stock Best Buy Co., Ic. is listed o the New York Stock Exchage (Tradig Symbol BBY, CUSIP 086516101)
More informationComparing Credit Card Finance Charges
Comparig Credit Card Fiace Charges Comparig Credit Card Fiace Charges Decidig if a particular credit card is right for you ivolves uderstadig what it costs ad what it offers you i retur. To determie how
More informationArt & Private Client insurance policy SUMMARY OF COVER
Art & Private Cliet isurace policy SUMMARY OF COVER 2 SUMMARY OF COVER DIOCESAN SCHOOLS LEGAL EXPENSES INSURANCE ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 3 Policy ref: ME773 1 07/16 What
More informationUse Your Home to Stay at Home. The official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development
Use Your Home to The official reverse mortgage cosumer booklet approved by the U.S. Departmet of Housig & Urba Developmet The Natioal Coucil o Agig (NCOA) is committed to helpig older persos to maximize
More informationPersonal Retirement Savings Accounts (PRSAs) A consumer and employers guide to PRSAs
Persoal Retiremet Savigs Accouts (PRSAs) A cosumer ad employers guide to PRSAs www.pesiosauthority.ie The Pesios Authority Verschoyle House 28/30 Lower Mout Street Dubli 2 Tel: (01) 613 1900 Locall: 1890
More informationChoosing a Mortgage FIXED-RATE MORTGAGES. ADJUSTABLE-RATE MORTGAGES (ARMs)
Choosig A Mortgage Like homes, home mortgages come i all shapes ad sizes: short-term, log-term, fixed, adjustable, jumbo, balloo these are all terms that will soo be familiar to you, if they re ot already.
More informationBest of security and convenience
Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate
More informationShareholder Information Brochure
The Ivestor Service ad Automatic Divided Reivestmet Program for Shareholders of Johso & Johso Shareholder Iformatio Brochure The Program is sposored ad admiistered by Computershare Trust Compay, N.A.,
More informationRetirement is a term that means something different to everyone, with the definition
Fiacial Toolkit Retiremet is a term that meas somethig differet to everyoe, with the defiitio largely depedet o a perso s age, career status, bak accout, family makeup, ad other factors. While the meas
More informationI've Got Cancer, But I'm Not Sick
P rotectio BULLETIN New ewsletter! Persoalised Protectio Newsletter Logo ad/or photo would go here (compliace checked by the Networks) - Geerate more value from each cliet - Protect yourself by flaggig
More informationTHE UNIVERSITY OF CHICAGO 2014 BENEFITS GUIDE
THE UNIVERSITY OF CHICAGO 2014 BENEFITS GUIDE Table of Cotets 1 Letter from the Executive Director 2 Uderstadig Your Beefits 4 New Hire Erollmet Process 6 Medical Plas 10 Detal Plas 12 Visio Pla 14 Group
More informationTIAA-CREF WEALTH MANAGEMENT A HIGHLY PERSONALIZED, SOPHISTICATED SERVICE DESIGNED TO MATCH ONE OBJECTIVE: YOURS
TIAA-CREF WEALTH MANAGEMENT A HIGHLY PERSONALIZED, SOPHISTICATED SERVICE DESIGNED TO MATCH ONE OBJECTIVE: YOURS TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. OUR HISTORY We are TIAA-CREF. A full-service
More informationMaricopa County Community College District
Maricopa Couty Commuity College District A Guide to Your Flexible Spedig Accout Ope erollmet is November 17- December 5. A Balaced Approach To Savig Time Ad Moey Flexible Spedig Accouts Ope erollmet is
More informationHow to read A Mutual Fund shareholder report
Ivestor BulletI How to read A Mutual Fud shareholder report The SEC s Office of Ivestor Educatio ad Advocacy is issuig this Ivestor Bulleti to educate idividual ivestors about mutual fud shareholder reports.
More informationI apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice.
IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form Please complete usig BLOCK CAPITALS ad retur the completed form
More informationCreate Income for Your Retirement. What You Can Expect. What to Consider. Page 1 of 7
Page 1 of 7 RBC Retiremet Icome Plaig Process Create Icome for Your Retiremet At RBC Wealth Maagemet, we believe maagig your wealth to produce a icome durig retiremet is fudametally differet from maagig
More informationSaint Mary's College. A Guide to Your Flexible Spending Account. A Balanced Approach To Saving Time And Money
Sait Mary's College A Guide to Your Flexible Spedig Accout A Balaced Approach To Savig Time Ad Moey Flexible Spedig Accouts Makig the most of your moey. What if you could make your earigs stretch further?
More informationINCOME PROTECTION POLICY CONDITIONS GUARANTEED PREMIUMS
INCOME PROTECTION POLICY CONDITIONS GUARANTEED PREMIUMS Documet referece: MIMIIP12G This is a imptat documet Please keep it i a safe place. Icome Protectio Guarateed Premiums Policy Coditios Welcome to
More informationHow To Calculate A Life Insurance Premium In Korea
1. A 2 year edowmet isurace of 1 o (6) has level aual beefit premiums payable at the begiig of each year for 1 years. The death beefit is payable at the momet of death. You are give that mortality follows
More information2014 Menu of Agency Support Services 10 TOP OF MIND TOUCH POINTS
2014 Meu of Agecy Support Services 10 TOP OF MIND TOUCH POINTS Table of Cotets Turig a moolie customer ito a multi-lie customer icreases retetio by 7x! ORGANIC GROWTH Policy Reewal Appoitmet Calls.4 Life
More informationFM4 CREDIT AND BORROWING
FM4 CREDIT AND BORROWING Whe you purchase big ticket items such as cars, boats, televisios ad the like, retailers ad fiacial istitutios have various terms ad coditios that are implemeted for the cosumer
More informationFinancial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address:
Fiacial Services Guide Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparatio: 21/11/2005 Head Office Address: Fiacial Wisdom Limited (ABN 70 006 646 108) Australia Fiacial Services Licece No. 231138
More informationYour guide to the Prepaid Funeral Plan 2016
Your guide to the Prepaid Fueral Pla 2016 I am ow i the happy positio of ot havig to worry, or ideed thik about, my fueral at all. I feel quite secure that my wishes will be followed while still leavig
More informationPFF2 2015/16. Assessment of Financial Circumstances For parents and partners of students. /SFEngland. /SF_England SFE/PFF2/1516/B
PFF2 2015/16 Assessmet of Fiacial Circumstaces For parets ad parters of studets SFE/PFF2/1516/B /SF_Eglad /SFEglad Who should complete this form? Complete this form if you are: The studet s atural or adoptive
More informationHealth and Life Insurance
Chapter 27 Health ad Life Isurace 27.1 Health Isurace 27.2 Disability ad Life Isurace Cosider THIS Corrie was t feelig well ad was sure it was strep throat. Because she had it before, she kew the symptoms.
More informationIndiana University Health Benefits Guide 2014
Idiaa Uiversity Health Beefits Guide 2014 Idiaa Uiversity Health Team Member Beefits 2014 Packig luches ad cartig the kids off to school. Puttig i a full day s work. Whippig up dier, the catchig up with
More informationTD Insurance. Travel Medical Insurance Certificate of Insurance IMPORTANT NOTICE PLEASE READ CAREFULLY
TD Isurace Travel Medical Isurace Certificate of Isurace Issued by: TD Life Isurace Compay ( TD Life ) uder Group Policy Number TI002 (the Group Policy ) to The Toroto- Domiio Bak (the Policyholder or
More informationGatory Charitable Lead Trust (CLAT)
Types of Trusts: A Overview This guide provides a overview of seve types of trusts, while also reviewig their advatages ad disadvatages for differet types of ivestors Table of Cotets Charitable Lead Trusts...
More informationauction a guide to buying at Residential
Residetial a guide to buyig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells approximately 1 billio of property at auctio i the UK Holds at least seve residetial
More informationRetirement By the Numbers
Retiremet By the Numbers Fiacial priorities may vary depedig o your age, but every perso wats a successful retiremet. This workbook ca help you estimate your retiremet eeds ad explai the optios available
More informationDomain 1: Designing a SQL Server Instance and a Database Solution
Maual SQL Server 2008 Desig, Optimize ad Maitai (70-450) 1-800-418-6789 Domai 1: Desigig a SQL Server Istace ad a Database Solutio Desigig for CPU, Memory ad Storage Capacity Requiremets Whe desigig a
More informationThere s Wealth in Our Approach.
Electroic Fud Trasfers/ Automated Clearig House Services There s Wealth i Our Approach. A divisio of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. Electroic Fud Trasfers/Automated Clearig House Services
More informationGenerali Worldwide Group Health Insurance Health Insurance Application Form
Geerali Worldwide Group Health Isurace Health Isurace Applicatio Form Please complete all sectios i BLOCK CAPITALS or tick the boxes, where appropriate. A completed Health Isurace Applicatio is required
More informationCompulsory PI insurance for financial advisers: the new compensation arrangements
Compulsory PI isurace for fiacial advisers: the ew compesatio arragemets Followig chages to the Corporatios Law o 1 July 2007, fiacial advisers are ow required to hold adequate professioal idemity isurace
More informationPersonal Comp. Maryland
Persoal Comp Marylad Why Choose Persoal Comp? For the cost of may of the thigs you buy each day, you ca have security ad peace of mid with health coverage from CareFirst BlueCross BlueShield (CareFirst).
More information2015 Concordia Health Plan for Medicare Members
2015 Cocordia Health Pla for Medicare Members A summary of the beefits, discouts, ad programs for members of the Cocordia Health Pla with Medicare supplemetal coverage. Cocordia Health Pla for Medicare
More informationCHAPTER 3 THE TIME VALUE OF MONEY
CHAPTER 3 THE TIME VALUE OF MONEY OVERVIEW A dollar i the had today is worth more tha a dollar to be received i the future because, if you had it ow, you could ivest that dollar ad ear iterest. Of all
More informationsummary of cover FUNERAL DIRECTORS BUSINESS INSURANCE
summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE INSURANCE PROVIDED BY INSURANCE ARRANGED BY Cotets Itroductio 3 Property damage 4 Property damage plus 6 Equipmet breakdow 7 Busiess iterruptio 9 Liabilities
More informationPERSONAL INJURY. What you need to know about your legal rights INFORMATION KIT. Personal Injury Litigators since 1936. www.thomsonrogers.
PERSONAL INJURY INFORMATION KIT Effective: September 1, 2010 What you eed to kow about your legal rights Persoal Ijury Litigators sice 1936. www.thomsorogers.com CONTENTS What you eed to kow........................3
More informationSettling Insurance Claims After a Disaster What you need to know about how to file a claim how the claim process works what s covered and what s not
Settlig Isurace Claims After a Disaster What you eed to kow about how to file a claim how the claim process works what s covered ad what s ot First Steps Cotact your aget or compay immediately. Fid out
More informationPROPERTY OWNERS INSURANCE POLICY SUMMARY
PROPERTY OWNERS INSURANCE POLICY SUMMARY PROPERTY OWNERS INSURANCE POLICY SUMMARY This documet is a summary of your Policy ad other key iformatio about the isurace cover that you should read. It does ot
More informationCorporation tax trading profits
2 Corporatio tax tradig profits this chapter covers... I this chapter we provide a brief review of the Corporatio Tax computatio, ad examie the step by step procedures for compilig the computatio, before
More informationYour summary of cover. Saga Motor Insurance
Your summary of cover Saga Motor Isurace Your itroductio to Saga Motor Isurace Cotets Your itroductio to Saga Motor Isurace 3 A quick guide to the cover we iclude 4-5 A few key thigs we do t cover 6 Additioal
More informationFI A CIAL MATHEMATICS
CHAPTER 7 FI A CIAL MATHEMATICS Page Cotets 7.1 Compoud Value 117 7.2 Compoud Value of a Auity 118 7.3 Sikig Fuds 119 7.4 Preset Value 122 7.5 Preset Value of a Auity 122 7.6 Term Loas ad Amortizatio 123
More informationSpecial Risk Insurance
A Leader i Employee Beefits Solutios Special Risk Isurace Prudetial Group Isurace The Prudetial Isurace Compay of America (Prudetial) 0220801 A Results-Drive Solutio From a Name You Kow ad Trust Sice 1875,
More informationPre-Suit Collection Strategies
Pre-Suit Collectio Strategies Writte by Charles PT Phoeix How to Decide Whether to Pursue Collectio Calculatig the Value of Collectio As with ay busiess litigatio, all factors associated with the process
More informationFor customers Key features of the Personal Protection policy
For customers Key features of the Persoal Protectio policy The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide
More informationAXA Car Insurance. Your policy booklet August 2008 edition
AXA Car Isurace Your policy booklet August 2008 editio Welcome to AXA Welcome to the expertise ad quality of the AXA Group Respect With over 100 years experiece, AXA is a world leader i fiacial protectio
More information