Having to front up with the thousands needed is the last thing your family should have to worry about at a difficult time.
|
|
- Elvin Blair
- 8 years ago
- Views:
Transcription
1 The Funeral Plan
2 Death is one of the few predictable things in our lives. Another is that putting off planning for it won t prevent it or make it any easier on those you leave behind. Funerals don t come cheap. Depending on the type of send-off you want, $8,000 to $10,000 is about the average cost in metropolitan areas but it isn t difficult to spend a great deal more than this for a large or bespoke service. And the funeral home will need to be paid within a week or two, however long it takes to settle your estate or for any life insurance you have to pay out. Having to front up with the thousands needed is the last thing your family should have to worry about at a difficult time. You could set money aside but a funeral insurance policy is a smarter solution providing the necessary funds when they re needed without having to tie up thousands in a pre-paid funeral or nest egg account, and without affecting your eligibility for subsidy for long term residential care. The Funeral Plan is a purpose designed policy that will sit alongside any insurance cover you already have, providing up to $20,000 to take care of funeral costs and related expenses. The money is paid out very quickly, usually within 48 hours of notification, and can be used however you or your family choose. But what makes the Funeral Plan really stand out is the great value proposition: you ll never pay more in premiums than you get back in cover. This brochure is intended to provide a summary of the features and benefits of The Funeral Plan. For full details please refer to the policy document, a copy of which is available on request by calling
3 Simple cover The Greenwich Funeral Plan is a straight forward policy that pays out on your death, regardless of how much premium you ve paid. The money can be paid directly to a person of your choice, so it is able to be accessed quickly and can be used however it is needed. If you would prefer not to nominate a beneficiary, or if we are unable to pay the person you have nominated, the money will be paid to your estate. Guaranteed acceptance Anyone aged 30 to 70 can enrol in the Funeral Plan. Acceptance is guaranteed regardless of your medical history and any medical problems you already have will be covered after the initial two year period. Once your policy is in place there is no age limit either. Provided your premiums are up to date you can keep the policy as long as you want, so you ll know that the cover will be there when it s needed. Guaranteed premiums You choose the amount of cover you want, from $5,000 to $20,000 (or any amount in between). The premium you pay is set at the time you enrol and is then guaranteed not to increase as you get older, even if your health deteriorates. So you ll always know how much to budget for and the policy won t suddenly become too expensive to maintain. Have a look at the current rate table to see how much the cover you want will cost, or you can call us on for a quote. Never pay more than you re covered for - Guaranteed Many of the funeral insurance policies available in New Zealand continue to charge premiums until you die, so unless you die within a few years of taking out the policy, it is very likely you will end up paying more in premiums than you are insured for. Have a look at the table over the page for more details about the long term cost of some competitor products. With the Greenwich Funeral Plan you ll never pay more in premiums than you get back in cover. Your premiums stop as soon as the total paid equals your funeral benefit and cover then continues, free of charge, until the benefit is paid out. Guaranteed.
4 Benefit payout or 100% refund Because your acceptance is guaranteed, cover is provided in two stages. For the first two years the funeral benefit is paid out only in the event of accidental death but 100% of all premiums paid for your policy will be refunded if you die from any other cause during this time. After two years you are covered for death by any cause, no exclusions and no exceptions. What isn t covered? The only events not covered are death by illness or disease during the first two years and suicide or attempted suicide in the first two years. In both cases however the policy will still pay out the full premium refund. After two years you are covered for death by any cause, no exceptions. However you choose to enrol it s a very simple process because acceptance is guaranteed for anyone aged 30 to 70. Money back guarantee Your cover starts as soon as your completed application is received and you ll be sent a policy document within a few days. If you then decide the cover isn t exactly what you want, you can cancel the policy within the first 30 days and any premiums paid will be refunded in full. There is no minimum cover term so you can cancel your policy whenever you wish, but after the 30 day money back period only unused quarterly or annual premium will be refunded. Apply now it s easy To secure your Funeral Plan policy either complete an application form and return it to Greenwich, at PO Box 1232 Auckland City 1140 or you can call us on to enrol over the phone. Additional application forms can be downloaded at
5 How much will that policy really cost in the long run? Most funeral plans available in New Zealand have level premiums based on your age at entry and have similar terms and conditions. There can however be a significant difference in the long term cost of the different plans. The chart below compares the cost of the Greenwich policy with several others that are available online, promoted on TV or offered to customer groups. The example used is a male non smoker aged 55 who purchases a $10,000 policy. At this age he can be expected to survive until age 81 so we have calculated the total he will have paid for the different policies by the time he is 75, 81 and 90. $20,000 $15,000 $10,000 $5,000 0 Greenwich Funeral Plan Pinnacle Funeral Cover AA Life Funeral Cover State ValuePlus Funeral Insurance Cigna Funeral Plan Premiums for the Greenwich policy would stop just before the customer turned 75; as soon as the total he had paid equalled his funeral benefit. Premiums for the Pinnacle policy continue until age 85 and to age 90 for AA Life but there is no cut-off point for the State and CIGNA plans; the customer would have to continue to pay in order for the cover to continue. This means that unless he dies well before his life expectancy of 81, with all of these other plans our example person will pay significantly more in premium than his policy is actually worth. Product information and premium values have been sourced from life-insurance/life-insurance-policies/funeral-cover-insurance/, aspx and on 2/2/12. Premium values for State ValuePlus sourced from the State Life call centre on 2/2/12. Life expectancy for a male aged 55 sourced from Period Life Tables , Department of Statistics.
6 Greenwich Greenwich is a business division of DPL Insurance Ltd. DPL Insurance Limited is a licensed insurer under the Insurance (Prudential Supervision) Act For more information, and details on our Financial Strength Rating and Solvency Calculation, please visit Contact Us PO Box 1232 Auckland City 1140 T: E: info@funeralinsuranceservices.co.nz DPL-7.1-1A /022015
Life insurance you don t have to jump through hoops for!
Life insurance you don t have to jump through hoops for! If you have financial commitments and people who depend on you, life insurance is essential. Unfortunately, life insurance can be difficult to arrange
More informationFUNERAL PLAN Insurance
FUNERAL PLAN Insurance Covering you co-operatively An insurance plan to provide you and your family with peace of mind at a difficult time. FUNERAL PLAN Peace of mind at a difficult time The death of a
More informationThere s more to an estate plan than just funding your funeral costs
There s more to an estate plan than just funding your funeral costs National Seniors Premium Funeral & Estate Plan is issued by MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096 (MetLife). Product
More informationExpect to understand your Prime Life Insurance
Expect to understand your Prime Life Insurance POLICY WORDING Prime Life Insurance Contents 1. Introducing your policy 2. What you re covered for 3. What you re not covered for 4. Changes you can make
More informationExpect to understand your Prime Life Insurance
Expect to understand your Prime Life Insurance POLICY WORDING TSB Bank Prime Life Insurance Contents 1. Introducing your policy 2 2. What you re covered for 3 3. What you re not covered for 4 4. Changes
More informationOVER 50s LIFE INSURANCE. OVER 50s LIFE INSURANCE MORE THAN A MEMORY.
1 MORE THAN A MEMORY. Put what you can in place for those you care about. Whether it s to help contribute towards the costs of your funeral, or simply as a gift that could help make a difference to your
More informationOver 50s life insurance
Provided by Legal & General Over 50s life insurance Policy summary Please keep together in a safe place for future reference with your Policy Terms and Conditions and Policy Schedule. Policy summary Welcome
More informationACCIDENTAL ACCIDENTAL
ACCIDENTAL FUNERAL DEATH PLAN ACCIDENTAL Policy Policy DEATH Wording Wording Policy Wording Funeral Plan Policy Wording 1. About the Policy 2. Definitions 3. What you are insured for 4. Other terms and
More informationSupplemental Term Life Insurance Plan
Supplemental Term Life Insurance Plan This information describes Lowe's Supplemental Term Life Insurance Plan (the Supplemental Term Life Plan Option), which is available to all regular Full-Time Employees.
More informationFUNERAL PLAN. Paying for funerals
FUNERAL PLAN Paying for funerals About ASIC and MoneySmart The Australian Securities and Investments Commission (ASIC) regulates financial products. ASIC s MoneySmart website gives people tips and tools
More information1 800 396-4389 www.carpinsurance.ca. FollowMe TM Life Plan. Life insurance that starts when your group life insurance stops
If you have any questions, please give us a call 1 800 396-4389 www.carpinsurance.ca FollowMe TM Life Plan Brought to you by FollowMe Life insurance plan is offered through Manulife Financial (The Manufacturers
More informationPOLICY SUMMARY. OVER 50s LIFE INSURANCE PLANS
OVER 50s LIFE INSURANCE PLANS POLICY SUMMARY. Keep this document in a safe place for future reference together with your Policy Terms and Conditions and Policy Schedule. 2 POLICY SUMMARY 1. INCREASING
More informationA simple, affordable way to give peace of mind to the people who matter most
GUARANTEED 50 PLUS LIFE COVER A simple, affordable way to give peace of mind to the people who matter most Want to know more? Please talk to your adviser The average cost of a burial in the UK is currently
More informationDeciphering Life Insurance Options: How Choosing the Right Policy Can Help Safeguard Your Earning Potential and Savings
How Choosing the Right Policy Can Help Safeguard Your Earning Potential and Savings 1 Many people think of life insurance as something they ll need when they get a bit older and want to ensure their loved
More informationThe Funeral Directors Association of New Zealand. Pre-arrange your. Funeral. Caring Funeral Professionals. The FDANZ Funeral Trust
Caring Funeral Professionals The FDANZ Funeral Trust The Funeral Directors Association of New Zealand Pre-arrange your Funeral The FDANZ Funeral Trust is a pre-arranged funeral plan available through members
More informationWHAT IS FUNERAL INSURANCE?
FUNERAL INSURANCE This fact sheet is for information only. It is recommended that you get legal advice about your situation. CASE STUDY CALL THE INSURANCE LAW SERVICE ON 1300 663 464 Financial Rights Legal
More informationover 50s life cover plus funeral funding option
250 Contribution from The Co-operative Funeralcare over 50s life cover plus funeral funding option use your over 50s life cover plus to pay towards your funeral costs In partnership with worried about
More informationAIG Over 50s Life Plan. Your 10-step guide to planning ahead
AIG Over 50s Life Plan Your 10-step guide to planning ahead Welcome to your simple 10-step guide At Castle Cover we take great care to meet the needs of people over 50. The AIG Over 50s Life Plan helps
More informationZURICH SIMPLE LIFE INSURANCE
ZURICH SIMPLE LIFE INSURANCE Key facts Helping you decide This important document gives you a summary of Zurich Simple Life Insurance. Please keep it for future reference. About Zurich Simple Life Insurance
More informationRepayment Protection Insurance. A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan.
Repayment Protection Insurance A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan. The issuers are Hallmark Life Insurance Company Ltd. (Hallmark
More informationDependent Life Insurance Plan
Dependent Life Insurance Plan Lowe's offers the Lowe's Dependent Term Life Insurance Plan (the Dependent Term Life Plan Option), insured through Cigna, to help with expenses related to the death of a dependent.
More informationprotect The Alberta Teachers Association Group Life + Optional Family Life Insurance Your family depends on you. Help
The Alberta Teachers Association Group Life Optional Family Life Insurance protect Your family depends on you. Help their financial future with additional life insurance. Why do I need additional life
More informationOver 50s Life Insurance. Leave your affairs in order
Over 50s Life Insurance Leave your affairs in order Putting everything in place Few of us dwell on the fact that, sadly, we won t live forever. Having said that there are many people who still want to
More informationTERM LIFE. Affordable term life insurance, endorsed by the National Hispanic Christian Leadership Conference as a benefit of your membership.
A benefit of your membership! NATIONAL HISPANIC CHRISTIAN LEADERSHIP CONFERENCE TERM LIFE INSURANCE PLAN Affordable term life insurance, endorsed by the National Hispanic Christian Leadership Conference
More informationThe real value of protection. Our life, critical illness and income protection claims
The real value of protection Our life, critical illness and income protection claims The real value of protection When you take out an Aviva protection policy, you re relying on us to be there when it
More informationYou don t need a medical exam. You don t need your doctor to send in your medical records.
Office of the Administrator P.O. Box 14464 Des Moines, IA 50306-8993 Dear, The enclosed Enrollment Form confirms your eligibility status in connection to a valuable new benefit offer extended exclusively
More informationBasic Term Life Insurance Plan
Basic Term Life Insurance Plan Lowe s provides the Lowe s Basic Life Insurance Plan (the Basic Life Plan Option) to help you provide continuing income for your family in the event of your death. This coverage
More informationAgeas Over 50s Life Plan. Your 10-step guide to planning ahead
Ageas Over 50s Life Plan Your 10-step guide to planning ahead Welcome to your simple 10-step guide At Castle Cover we take great care to meet the needs of people over 50. The Ageas Over 50s Life Plan helps
More informationKEY FEATURES OF THE INVESTMENT PORTFOLIO BOND. Important information you need to read
KEY FEATURES OF THE INVESTMENT PORTFOLIO BOND Important information you need to read IMPORTANT INFORMATION THE INVESTMENT PORTFOLIO BOND IS PROVIDED BY CLERICAL MEDICAL. ALL COMMUNICATIONS AND INFORMATION
More informationLIFE COVER ARE YOU TAKING THE LEAD IN YOUR LIFE? WHAT IS LIFE COVER? WHAT DOES IT OFFER ME?
LIFE COVER ARE YOU TAKING THE LEAD IN YOUR LIFE? We may like to think it will never happen to us but the reality is that some of us will die, prematurely, leaving family and loved ones behind. So, have
More informationCover for Life Brochure
Cover for Life Brochure It s the right thing to do Why do I need life cover? Life is unpredictable. We may not like to think about it, but a serious even fatal illness or accident could happen to anyone.
More informationSTUDENT LIFE & DISABILITY INSURANCE
STUDENT LIFE & DISABILITY INSURANCE Available Exclusively to SAVMA Members Underwritten by New York Life Insurance Company LIFE & DISABILITY IMPORTANT INSURANCE PROTECTION WHILE YOU RE IN SCHOOL FOR LESS
More informationMERCER BILLPROTECT INSURANCE
MERCER BILLPROTECT INSURANCE MERCER BILLPROTECT INSURANCE POLICY WORDING 1. INTRODUCING YOUR POLICY 2. TEMPORARY DISABILITY COVER 3. REDUNDANCY COVER 4. BANKRUPTCY COVER 5. HOW TO MAKE A CLAIM 6. IF YOU
More informationWelcome to NEST. All the key information you need about being a member of NEST
Welcome to NEST All the key information you need about being a member of NEST 2 Please write your NEST ID here: You ll find this number on the letter that came with this booklet. Welcome to NEST Building
More informationFlexible Protection Plan. Protecting your lifestyle and family with one simple plan
Flexible Protection Plan Protecting your lifestyle and family with one simple plan Contents Introduction Income Protection Life Protection Critical Illness Protection Protection with a heart Extra things
More informationYour retirement income. Exploring your options
Your retirement income Exploring your options Contents 02 What do you want to do with your pension fund? 07 A regular retirement income for the rest of your life 10 A flexible income from a Self Invested
More informationHelping to Protect Your Family And Secure Your Future
GuiFinal 6/18/07 11:47 AM Page 1 Helping to Protect Your Family And Secure Your Future Group Universal Life Insurance Developed for the Employees of County of Fresno GuiFinal 6/18/07 11:47 AM Page 2 GuiFinal
More informationPermanent Life Insurance. Horizon 50+ is offered to individuals age 50 to 75, with no medical exam
Permanent Life Insurance Horizon 50+ is offered to individuals age 50 to 75, with no medical exam Horizon 50+ Up to $20,000 of Life Insurance, with no medical exam Horizon 50+, permanent life insurance
More informationContact AMP You can call or fax a Customer Service Officer on Phone 131 267 Fax 1300 301 267
getting a home loan? Easy cover for you Loan Cover Product Disclosure Statement Issue 3, 1 January 2012 Loan Cover is issued by AMP Life Limited ABN 84 079 300 379, AFS Licence No. 233671 Loan Cover is
More informationTypes of life insurance Buying life insurance How cancer can affect buying life insurance Getting money early from life insurance
This information is an extract from the booklet Insurance, which is part of the financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 6. Contents Types
More informationFUNERAL FUND RATES. Male non-smoker
Personal Funeral Fund ABOUT FUNERAL COVER Funeral expenses usually have to be paid well before estate settlement and insurance payouts. Funeral Fund can provide you with peace of mind, knowing that cover
More informationWestpac Insurance. Life & Loan Insurance
Westpac Insurance Life & Loan Insurance July 2013 Life it s rather unpredictable, isn t it? That s why our range of insurance cover is so flexible. We understand that everyone has different insurance needs
More informationHow To Buy Life Insurance In Texas
TMAIT Insurance Guides for Physicians Life Insurance TMAIT Insurance Guides The TMAIT Insurance Guides are intended to help physicians make sound insurance decisions for themselves and their families.
More informationGolden Life Plan. Personal ABOUT GOLDEN LIFE PLAN
Personal Golden Life Plan ABOUT GOLDEN LIFE PLAN The Golden Life Plan is a life insurance plan that pays out a lump sum when you die. It could be paid to a family member or someone else that you ve chosen.
More informationBring your Australian super home. ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme
Bring your Australian super home ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme If you ve worked in Australia at any time since 1992, you may have some Australian super tucked away. You can transfer
More informationMetLife Term Life Insurance Plan
MetLife Term Life Insurance Plan Basic Employee Life & AD&D Insurance Optional Employee Life & AD&D Insurance Basic Employee Life & AD&D Insurance This insurance is payable for death from any cause to
More informationRepayment Protection Insurance. A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan.
Repayment Protection Insurance A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan. DISCLOSURE STATEMENT FINANCIAL ADVISERS ACT 2008 The information
More informationBILL COVER INSURANCE Policy Wording
BILL COVER INSURANCE Policy Wording Cigna Bill Cover Insurance Policy Wording 1. Introducing your policy 2. Temporary Disability Your Policy - Important This document refers to your Cigna Bill Cover policy
More informationYour retirement income. Exploring your options
Your retirement income Exploring your options Contents 01 Accessing your pension savings with Standard Life 03 What do you want to do with your pension pot? 09 A regular retirement income for the rest
More informationFINANCIAL ANALYSIS ****** UPDATED FOR 55% BENEFIT ****** ****** FOR ALL SURVIVORS ******
FINANCIAL ANALYSIS ****** UPDATED FOR 55% BENEFIT ****** ****** FOR ALL SURVIVORS ****** This fact sheet is designed to supplement the Department of Defense brochure: SBP SURVIVOR BENEFIT PLAN FOR THE
More informationThe 50+ Life Plan s key features Important info you need to read
The 50+ Life Plan s key features Important info you need to read Before applying for the 50+ Life Plan, please read the Key Features, which you ll find on the next few pages. The Key Features explain how
More informationThe real value of protection. Our life, critical illness and income protection claims
The real value of protection Our life, critical illness and income protection claims The real value of protection When you take out an Aviva protection policy, you re relying on us to be there when it
More informationOver 50s Life Insurance
Over 50s Life Insurance This product is provided by Irish Life Assurance plc. Life insurance with no medical questions You have been introduced to 123.ie Over 50s Life Insurance through the 123.ie website.
More informationPROTECTION GIFT TRUSTS ABSOLUTE TRUST PACK.
PROTECTION GIFT TRUSTS ABSOLUTE TRUST PACK. Technical Guide Absolute Trust Deed 2 PROTECTION GIFT TRUSTS ABSOLUTE TRUST PACK INTRODUCTION This guide has been written to explain what an Absolute Trust is,
More informationThe Retiree Life Insurance Plan
The Retiree Life Insurance Plan The JPMorgan Chase Retiree Life Insurance Plan provides eligible pre-medicare eligible and Medicareeligible retirees with life insurance protection suited to their personal
More informationlargemortgageloans.com Bespoke Mortgage Services
largemortgageloans.com Bespoke Mortgage Services WELCOME TO OUR BESPOKE MORTGAGE SERVICES largemortgageloans.com If you are looking for a large mortgage to fund a residential or commercial property purchase
More informationGroup Voluntary Life Insurance
Group Voluntary Life Insurance For Employees of The California State University Standard Insurance Company Voluntary Group Life Insurance About This Brochure This brochure is designed to answer some common
More information50+ Life insurance. An affordable solution with many advantages
50+ Life insurance An affordable solution with many advantages If you think it s too late to take out life insurance, keep reading! Just because you re over 50 doesn t mean it s too late to take out life
More informationPolicy Summary. Please print this document and keep in a safe place for future reference with your Policy Terms and Conditions and Policy Schedule.
INSURED funeral plan Policy Summary. Please print this document and keep in a safe place for future reference with your Policy Terms and Conditions and Policy Schedule. 2 Policy SUMMARY INSURED Funeral
More informationPlease read this document carefully as it contains important information about this plan. Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY
Please read this document carefully as it contains important information about this plan Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY Your VitalityLife plan summary About this booklet This
More informationHow To Get A 50+ Group Life Insurance Plan From Usa.Org
USBA 50+ Group Whole Life Insurance Plan If you re age 50 or older and want permanent lifetime coverage with cash value and guarantees, Fifty Plus Group Whole Life is recommended for you. You can buy it
More informationGuaranteed 50 plus Life Cover
50 Plus important facts to consider Both engage and your financial adviser want to make sure you understand how this life cover product works and are happy with any decisions you make. For this reason
More informationGroup Term Life Insurance Plan
STATE BAR OF WISCONSIN Group Term Life Insurance Plan Affordable group term life insurance, approved by the State Bar of Wisconsin as a benefit of your membership. 0232921 STATE BAR OF WISCONSIN Group
More informationFamily Funeral Cover Policy Document
Instant Life Family Funeral Cover Policy Document Be Assured. Prosper Family Funeral Cover Welcome to Instant Life. We are a predominantly online insurance administrator operating from offices in Johannesburg,
More informationHelp Protect Your Most Valuable Asset Your Income
Help Protect Your Most Valuable Asset Your Income NJEA Endorsed Disability Insurance Program For enrollments on and after October 1, 2012 The Prudential Insurance Company of America 02046-00002-00 Think
More informationFuneral Fund. At a glance. Why you need it. Funeral Fund rates. Standard benefits. Funeral Fund rates. Key facts. Risk FF 1114
Funeral Fund Risk FF 1114 At a glance Cover your funeral expenses Pays an immediate lump sum on the death of the insured. Designed to cover most, if not all, funeral expenses in the event of an unexpected
More informationinsurance KEY FEATURES OF THE: RElEvAnT life PlAn important document
INSURANCE KEY FEATURES OF THE: Relevant Life Plan This is an important document which you should keep in a safe place. This is a guide to our Relevant Life Plan and is based on our understanding of current
More informationPROTECTION GIFT TRUSTS FLEXIBLE TRUST PACK.
PROTECTION GIFT TRUSTS FLEXIBLE TRUST PACK. Technical Guide Flexible Trust Deed 2 PROTECTION GIFT TRUSTS FLEXIBLE TRUST PACK INTRODUCTION This guide has been written to explain what a Flexible Trust is,
More informationadaptable for life. TERMSelect Term Insurance This TERMSelect client guide is meant to do three things for you:
TERMSelect Term Insurance adaptable for life. You re thinking about insurance protection now, for your family or your business. You need to know that the coverage you buy today can adapt to the changes
More informationPROTECTION GIFT TRUSTS DISCRETIONARY TRUST PACK.
PROTECTION GIFT TRUSTS DISCRETIONARY TRUST PACK. Technical Guide Discretionary Trust Deed 2 PROTECTION GIFT TRUSTS DISCRETIONARY TRUST PACK INTRODUCTION. This guide has been written to explain what a Discretionary
More informationKEY FEATURES OF THE INVESTMENT BOND. Important information you need to read
KEY FEATURES OF THE INVESTMENT BOND Important information you need to read IMPORTANT INFORMATION THE INVESTMENT BOND IS PROVIDED BY CLERICAL MEDICAL. ALL COMMUNICATIONS AND INFORMATION RELATING TO YOUR
More informationExpect to understand your Accidental Death Insurance
Expect to understand your Accidental Death Insurance POLICY WORDING Accidental Death Insurance Contents 1. Introducing your policy 2. What you re covered for 3. What you re not covered for 4. Changes you
More informationUSBA Wise Choice Generation 3 SM Group Blended Life Insurance Plan
USBA Wise Choice Generation 3 SM Group Blended Life Insurance Plan USBA Wise Choice Generation 3 SM Group Blended a whole new way to look at life insurance. First there was term life insurance, then came
More informationGUIDE TO RETIREMENT PLANNING FINANCIAL GUIDE. Making the most of the new pension rules to enjoy freedom and choice in your retirement
GUIDE TO RETIREMENT PLANNING Making the most of the new pension rules to enjoy freedom and choice in your retirement FINANCIAL GUIDE WELCOME Making the most of the new pension rules to enjoy freedom and
More informationSupplemental Term Life Insurance Plan
Supplemental Term Life Insurance Plan This information describes Lowe s Supplemental Term Life Insurance Plan (the Supplemental Life Plan Option), which is available to all full-time employees. Participation
More informationGroup Voluntary Term Life Insurance
If your family lost you and your income today, how could term coverage help them? LOAN EDUCATION MORTGAGE Benefit coverage for Hy-Vee Group Voluntary Term Life Insurance Supplements existing coverage to
More informationAIG Life. Over 50s Life Plan. Key Facts
AIG Life Over 50s Life Plan Key Facts Welcome to AIG American International Group, Inc. (AIG) is a leading international insurance organisation serving customers in more than 130 countries and jurisdictions.
More informationUSBA Group Level Term Life Insurance Plan
FEATURES USBA Group Level Term Life Insurance Plan USBA s Group Level Term Life plan is simple, flexible and affordable a great way to protect your family s financial future. The rate you ll pay is based
More informationFor financial adviser use only. Relevant Life Cover. Adviser guide
For financial adviser use only Relevant Life Cover Adviser guide What is Relevant Life Cover? This is a tax-efficient way for small businesses to provide death-in-service benefits for their employees and
More informationPrecision Engineered Protection
Precision Engineered Protection Essential protection for your Volkswagen Volkswagen has a reputation for thinking differently and Volkswagen Insurance is a little bit different too. Naturally, we ve designed
More informationCOMMINSURE PROTECTION
COMMINSURE PROTECTION SUPPLEMENTARY COMBINED PRODUCT DISCLOSURE STATEMENT AND POLICY Issue date: 18 October 2015 This Supplementary Combined Product Disclosure Statement (SPDS) and Policy supplements the
More informationCOVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT
COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT THE EASY WAY TO PROTECT YOUR FAMILY You ve made the smart decision to learn about life insurance. Now we can make it easy for you to
More informationBuying a pension annuity
Buying a pension annuity Why do I need to think about buying a pension annuity? When you come to retire, you will have some important decisions to make. Probably most important of all is how you will generate
More informationLife Insurance Life Advice
Life Insurance Life Advice What to look for in life insurance Deciding to protect those who depend on us with a sufficient amount of life insurance protection is a responsible and caring act. Life insurance
More informationBasic Life Insurance for Active Employees: $5,000. Your employer pays the premiums for this coverage.
Section 4: Optional Benefits State of Oregon PEBB offers eligible employees the opportunity to select optional benefits. This section summarizes the following plans. Optional Employee and Spouse or Domestic
More informationGroup Term Life Insurance Plan
STATE BAR OF WISCONSIN Group Term Life Insurance Plan Affordable group term life insurance, approved by the State Bar of Wisconsin as a benefit of your membership. 0232921 STATE BAR OF WISCONSIN Group
More informationPolicy Summary for Over 50s Life Insurance Plans
Policy Summary for Over 50s Life Insurance Plans 1. Fixed Plan 2. Increasing Plan 3. Funeral Plan This is an important document, which you should read carefully so that you understand what you are buying
More informationLife Insurance Company
Losing your group health and dental coverage? We have solutions. Plans underwritten by The Manufacturers Life Insurance Company Health and dental benefits are often taken for granted. Until they end. Are
More informationKEY FEATURES OF THE RELEVANT LIFE PLAN.
RELEVANT LIFE PLAN KEY FEATURES OF THE RELEVANT LIFE PLAN. LIFE COVER This is an important document which should be kept in a safe place. 2 RELEVANT LIFE PLAN KEY FEATURES USING THIS DOCUMENT. WHAT ARE
More informationWHICH IS FOR ME? HOME LOANS MADE EASY
WHICH IS FOR ME? HOME LOANS MADE EASY About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our home loans are described
More informationPrivate College 529 Plan
SM Dear Prospective Account Owner: Whether you are a parent, grandparent or a caring adult in a child s life, thank you for your interest in learning how SM (the Plan) can help you fund a private college
More informationWhat You Should Know About Long Term Care. Answers to the most commonly asked questions from the Indiana Long Term Care Insurance Program
What You Should Know About Long Term Care Answers to the most commonly asked questions from the Indiana Long Term Care Insurance Program What You Should Know About Long Term Care The Indiana Long Term
More informationPolicy Summary for Over 50s Life Insurance Plans
This is an important document, which you should read carefully so that you understand what you are buying. Please keep together with your Policy Terms and Conditions, in a safe place, for future reference.
More informationFor expert advice call 01494 451441
Protection Planning Life and Protection Insurance The cost of insurance, particularly life insurance has fallen over recent years, whilst the quality of cover has in many cases increased. With this in
More informationWe understand you want financial flexibility while saving for your future
SAVE We understand you want financial flexibility while saving for your future PRUflexicash Life has a habit of springing surprises on you. So it s good to know you re prepared in the event you need to
More informationPeace of mind from about the cost of a cup of coffee
FUNERAL plan Product Disclosure Statement Peace of mind from about the cost of a cup of coffee Call now for a $6,000 Funeral Plan from just $3.41* a week InsuranceLine, a trading name of TAL Direct Pty
More informationPermanent Life Insurance. Simplified Advantage For people age 40 to 80, with no medical exam
Permanent Life Insurance Simplified Advantage For people age 40 to 80, with no medical exam Simplified Advantage Up to $100,000 1 of Life Insurance, with no medical exam Simplified Advantage is coverage
More informationIncome for Life Annuity Program* Immediate Annuities for Retirement Income
Income for Life Annuity Program* Immediate Annuities for Retirement Income *ICMA-RC partners with select insurance companies that make annuities available through the Income for Life Annuity program. Participating
More informationTerm Life Insurance. Developed for the Employees of Iona College. 811761 a 06/12
Term Life Insurance Developed for the Employees of Iona College 811761 a 06/12 Who Needs Life Insurance? You do. Single or married. Buying your first home or preparing for retirement. Raising children
More informationTerm Life Insurance for CARP Members. Protection that fits your life. Today and for years to come.
Term Life Insurance for CARP Members Protection that fits your life. Today and for years to come. Finally, An Insurance Plan That Let s You Live Life On Your Terms Since none of us can predict what tomorrow
More information