ARE YOU LOOKING FOR PRICE OR VALUE IN A PAR PRODUCT?

Transcription

1 Male, non-smoker Age 50 ARE YOU LOOKING FOR PRICE OR VALUE IN A PAR PRODUCT? Some par products focus on providing the most insurance coverage per premium dollar and others focus on providing the best cash value accumulation. EstateMax TM is designed to provide great coverage and cash value accumulation, and for Baby Boomers (ages 50-60), our prices are very competitive! EstateMax offers great value for an additional $7.67 ¹ in premium per month $250,000 Age 86 $200,000 $150,000 $50,000 $147,987 $114,061 $70,663 EstateMax Total EstateMax Total Cash Surrender Value Optimax Total Optimax Total Cash Surrender value Years ¹ A standard male, non-smoker, age 50 could pay only $7.67 extra per month for an EstateMax plan and get an additional $47,987 in life insurance coverage and an additional $43,398 in cash surrender value as compared to an Optimax plan at the client s age 86. See assumptions and chart on next page. Empire Life EstateMax, offering great value.

2 EstateMax vs. Optimax Check out these comparisons to see how EstateMax can offer your clients more Life Insurance Coverage and/or Cash Values for just a few dollars more in premiums a month. Male, non-smoker, Face Amount Life Pay Enhanced Coverage/Extender Lifetime Guarantee* Issue Age Projected Total Coverage at age 86* Projected Cash Value at age 86* EstateMax Optimax EstateMax Optimax 50 $147,987 $114,061 $70,663 For an extra premium of $7.67 a month EstateMax can provide $47,987 more life insurance coverage or $43,398 more cash value for the Policy owner if the insurance is no 55 $149,056 $109,815 $65,767 For an extra premium of $16.91 a month EstateMax can provide $49,056 more life insurance coverage or $44,048 more cash value for the Policy owner if the insurance is no 60 $146,535 $102,238 $61,320 For an extra premium of $34.17 a month EstateMax can provide $46,535 more life insurance coverage or $40,918 more cash value for the Policy owner if the life insurance no To learn more about EstateMax, contact your regional sales representative or our sales centre at or salescentre@empire.ca *For illustrative purposes only. Assumes an EstateMax 100 plan for of total coverage using maximum Enhanced Coverage dividend option, and an Optimax 100 plan for of total coverage using maximum Extender option with a Lifetime Guarantee, both for a standard, male, non-smoker, at the ages indicated, and no changes to or withdrawals from either plan. Premiums and guaranteed cash values as of March Total amount and Total Cash Surrender Values are based on dividend performance, which is not guaranteed. Assumes Empire Life current dividend scale is used for all years. Registered trademark of The Empire Life Insurance Company. Trademark of The Empire Life Insurance Company. Policies are issued by The Empire Life Insurance Company. The information in this document is for general information purposes only. INS-1057-EN-04/15

3 Female, non-smoker Age 50 ARE YOU LOOKING FOR PRICE OR VALUE IN A PAR PRODUCT? Some par products focus on providing the most insurance coverage per premium dollar and others focus on providing the best cash value accumulation. EstateMax TM is designed to provide great coverage and cash value accumulation, and for Baby Boomers (ages 50-60), our prices are very competitive! EstateMax offers great value for an additional $11.87 ¹ in premium per month $250,000 Age 85 $200,000 $150,000 $50,000 $139,716 $103,372 $62,587 EstateMax Total EstateMax Total Cash Surrender Value Optimax Total Optimax Total Cash Surrender value Years ¹ A standard female, non-smoker, age 50 could pay only $11.87 extra per month for an EstateMax plan and get an additional $39,716 in life insurance coverage and an additional $40,785 in cash surrender value as compared to an Optimax plan at the client s age 85. See assumptions and chart on next page. Empire Life EstateMax, offering great value.

4 EstateMax vs. Optimax Check out these comparisons to see how EstateMax can offer your clients more Life Insurance Coverage and/or Cash Values for just a few dollars more in premiums a month. Female, non-smoker, Face Amount Life Pay Enhanced Coverage/Extender Lifetime Guarantee* Issue Age Projected Total Coverage at age 85* Projected Cash Value at age 85* EstateMax Optimax EstateMax Optimax 50 $139,716 $103,372 $62,587 For an extra premium of $11.87 a month EstateMax delivers $39,716 more insurance when it s needed or $40,785 more cash in the Policy owners pocket if insurance no 55 $140,553 $98,909 $59,474 For an extra premium of $20.93 a month EstateMax delivers $40,553 more insurance when it s needed or $39,435 more cash in the Policy owners pocket if insurance no 60 $137,758 $91,946 $55,121 For an extra premium of $35.64 a month EstateMax delivers $37,758 more insurance when it s needed or $36,825 more cash in the Policy owners pocket if insurance no To learn more about EstateMax, contact your regional sales representative or our sales centre at or salescentre@empire.ca *For illustrative purposes only. Assumes an EstateMax 100 plan for of total coverage using maximum Enhanced Coverage dividend option, and an Optimax 100 plan for of total coverage using maximum Extender option with a Lifetime Guarantee, both for a standard, female, non-smoker, at the ages indicated, and no changes to or withdrawals from either plan. Premiums and guaranteed cash values as of March Total amount and Total Cash Surrender Values are based on dividend performance, which is not guaranteed. Assumes Empire Life current dividend scale is used for all years. Registered trademark of The Empire Life Insurance Company. Trademark of The Empire Life Insurance Company. Policies are issued by The Empire Life Insurance Company. The information in this document is for general information purposes only. INS-1072-EN-04/15

5 Male, smoker Age 50 ARE YOU LOOKING FOR PRICE OR VALUE IN A PAR PRODUCT? Some par products focus on providing the most insurance coverage per premium dollar and others focus on providing the best cash value accumulation. EstateMax TM is designed to provide great coverage and cash value accumulation, and for Baby Boomers (ages 50-60), our prices are very competitive! EstateMax offers great value for an additional $ in premium per month $350,000 Age 85 $300,000 $250,000 $200,000 $150,000 $50,000 $186,492 $155,170 $103,853 $84,124 EstateMax Total EstateMax Total Cash Surrender Value Optimax Total Optimax Total Cash Surrender value Years ¹ A standard male, smoker, age 50 could pay only $18.26 extra per month for an EstateMax plan and get an additional $82,639 in life insurance coverage and an additional $71,046 in cash surrender value as compared to an Optimax plan at the client s age 85. See assumptions and chart on next page. Empire Life EstateMax, offering great value.

6 EstateMax vs. Optimax Check out these comparisons to see how EstateMax can offer your clients more Life Insurance Coverage and/or Cash Values for just a few dollars more in premiums a month. Male, smoker, Face Amount Life Pay Enhanced Coverage/Extender Lifetime Guarantee* Issue Age Projected Total Coverage at age 85* Projected Cash Value at age 85* EstateMax Optimax EstateMax Optimax 50 $186,492 $103,853 $155,170 $84,124 For an extra premium of $18.26 a month EstateMax can provide $82,639 more life insurance coverage or $71,046 more cash value for the Policy owner if the insurance is no 55 $188,951 $151,181 $74,170 For an extra premium of $42.09 a month EstateMax can provide $88,951 more life insurance coverage or $77,011 more cash value for the Policy owner if the insurance is no 60 $186,269* $142,206* $66,940 For an extra premium of $93.89 a month EstateMax can provide $86,269 more life insurance coverage or $75,266 more cash value for the Policy owner if the life insurance no To learn more about EstateMax, contact your regional sales representative or our sales centre at or salescentre@empire.ca *For illustrative purposes only. Assumes an EstateMax 100 plan for of total coverage using maximum Enhanced Coverage dividend option, and an Optimax 100 plan for of total coverage using maximum Extender option with a Lifetime Guarantee, both for a standard, male smoker, at the ages indicated, and no changes to or withdrawals from either plan. Premiums and guaranteed cash values as of March Total amount and Total Cash Surrender Values are based on dividend performance, which is not guaranteed. Assumes Empire Life current dividend scale is used for all years. Registered trademark of The Empire Life Insurance Company. Trademark of The Empire Life Insurance Company. Policies are issued by The Empire Life Insurance Company. The information in this document is for general information purposes only. INS-1058-EN-04/15

7 Female, smoker Age 50 ARE YOU LOOKING FOR PRICE OR VALUE IN A PAR PRODUCT? Some par products focus on providing the most insurance coverage per premium dollar and others focus on providing the best cash value accumulation. EstateMax TM is designed to provide great coverage and cash value accumulation, and for Baby Boomers (ages 50-60), our prices are very competitive! EstateMax offers great value for an additional $35.93 ¹ in premium per month $300,000 Age 85 $250,000 $200,000 $150,000 $50,000 $167,262 $130,784 $66,767 EstateMax Total EstateMax Total Cash Surrender Value Optimax Total Optimax Total Cash Surrender value Years ¹ A standard female, smoker, age 50 could pay only $35.93 extra per month for an EstateMax plan and get an additional $67,262 in life insurance coverage and an additional $64,017 in cash surrender value as compared to an Optimax plan at the client s age 85. See assumptions and chart on next page. Empire Life EstateMax, offering great value.

8 EstateMax vs. Optimax Check out these comparisons to see how EstateMax can offer your clients more Life Insurance Coverage and/or Cash Values for just a few dollars more in premiums a month. Female, smoker, Face Amount Life Pay Enhanced Coverage/Extender Lifetime Guarantee* Issue Age Projected Total Coverage at age 85* Projected Cash Value at age 85* EstateMax Optimax EstateMax Optimax 50 $167,262 $130,784 $66,767 For an extra premium of $35.93 a month EstateMax delivers $67,262 more insurance when it s needed or $64,017 more cash in the Policy owners pocket if insurance no 55 $166,856 $124,638 $61,210 For an extra premium of $56.17 a month EstateMax delivers $66,856 more insurance when it s needed or $63,428 more cash in the Policy owners pocket if insurance no 60 $162,704 $115,494 $56,285 For an extra premium of $86.38 a month EstateMax delivers $62,704 more insurance when it s needed or $59,209 more cash in the Policy owners pocket if insurance no To learn more about EstateMax, contact your regional sales representative or our sales centre at or salescentre@empire.ca *For illustrative purposes only. Assumes an EstateMax 100 plan for of total coverage using maximum Enhanced Coverage dividend option, and an Optimax 100 plan for of total coverage using maximum Extender option with a Lifetime Guarantee, both for a standard, female, smoker, at the ages indicated, and no changes to or withdrawals from either plan. Premiums and guaranteed cash values as of March Total amount and Total Cash Surrender Values are based on dividend performance, which is not guaranteed. Assumes Empire Life current dividend scale is used for all years. Registered trademark of The Empire Life Insurance Company. Trademark of The Empire Life Insurance Company. Policies are issued by The Empire Life Insurance Company. The information in this document is for general information purposes only. INS-1073-EN-04/15