1 Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay term life express 15, 20, 30 product guide L7595_0911 For producer use oly. Not for use with the geeral public. 1
2 Safeguardig A Family s Most Importat Asset with Term Life Express This guide describes the specificatios ad features of term life isurace products desiged to provide protectio for mortgage holders. Term Life Express offers a variety of provisios ad optioal beefits that today s homeowers wat. More tha just mortgage isurace, it gives cliets ad their families the peace of mid of kowig that moey will be available to help pay off their mortgage or other debts if they die, or help make their mortgage paymets if they suffer a disability. Term Life Express target markets are: Youg families Dual-icome families People with log-term debts such as a mortgage Families with limited resources ad large isurace eeds Features Ca help pay off debts if they die I the evet of death, provides cash that may be used to pay off debts, eablig the survivig spouse ad childre to keep the curret lifestyle. Product specificatios Terms: Five-Year Guaratee (the premium is guarateed for the first five policy years) 20-year Level Term 30-year Level Term Full Guaratee (the premium is guarateed for the etire term) 15-year Level Term 20-year Level Term 20-year Level Term with Retur of Premium 30-year Level Term 30-year Level Term with Retur of Premium Death Beefit Optios: Level Death Beefit Face Amouts: $50,000 $400,000 (simplified uderwritig) Uderwritig Classes: Simplified Uderwritig Stadard Tobacco Stadard Notobacco Premium Modes: Aual (1.00) Semiaual (.52) Quarterly (.275) Mothly BSP (.089) Grace Period: 31 days Policy Fee: $60 per year, per policy Ca help provide icome for mortgage paymets if they become disabled I the evet of a covered disability, this rider provides cash that ca be used to make mortgage paymets for either 18 or 30 moths, after a 90-day* elimiatio period. *I MD 120-day elimiatio period. Residetial Damage Rider If the primary residece sustais $25,000 or more of damage, this provisio allows the mothly base premiums ad riders to be waived for oe six-moth period. Waives premiums if they become uemployed I the evet of qualifyig uemploymet, provides for premiums to be waived for oe six-moth period. Refuds all premium paid At the ed of the policy term, this provisio provides for a refud of all premiums paid if the life isurace is o loger eeded. Policy Exclusios: The policy s face amout will ot be paid if the Isured s death results from suicide, while sae or isae, withi two years of the date of issue (i CO, MO ad ND, withi oe year). Istead, we will pay the sum of premiums paid sice issue. I MO, beefits will be paid for all causes of death uless evidece shows that suicide was iteded at the time of purchase. 2
3 Issue Ages Based o Age Last Birthday: Maximum issue ages may vary by state, product ad risk class. Term Guaratee Without ROP With ROP NoTobacco With ROP Tobacco 15-Year Full N/A N/A 20-Year 5-year N/A N/A 20-Year Full Year 5-year N/A N/A 30-Year Full The oted Term Life Express products are ot available for the states listed below State 20/20 ROP 30/30 ROP Utah X X Pesylvaia X X Washigto X X Vermot X X State Special Issue Ages 15T No-ROP 20T Short Guar No-ROP 20T Full Guar No-ROP 20T Full Guar ROP 30T Short Guar No-ROP 30T Full Guar No-ROP 30T Full Guar ROP MAXIMUM ISSUE AGE LIMITATION Natioal FL, IN, NJ, OR, PA, UT WA Notobacco Tobacco Notobacco Not Available Tobacco Not Available Notobacco Tobacco Notobacco Not Available Tobacco Not Available Notobacco Not Available Tobacco Not Available Notobacco Tobacco Notobacco Not Available Tobacco Not Available The Disability Icome Rider is ot available o ROP products. 3
4 Disability Icome Rider Occupatioal Guidelies This sectio is desiged to assist producers i kowig which occupatios are uisurable uder Term Life Express Disability Icome (DI) rider. It is importat that each applicatio accurately describes the applicat s specific duties. Each applicat must have 12 moths of eared icome to be eligible for this rider. If the applicat has more tha oe gaiful occupatio, whether full-time (30 or more hours per week), part-time or seasoal, all must be show. Ay decisio o uisurable occupatios will be based o the oe ivolvig the greatest hazards. Icome from the part-time or seasoal occupatios will geerally NOT be cosidered for determiig mothly beefit amout eligibility/limits. Uisurable occupatios ad examples of some job duties are listed i alphabetical order. For occupatios ot listed, cotact a uderwriter for assistace. The uisurable occupatioal list is a guide. Mutual of Omaha s uderwriters utilizig all available sources of iformatio will determie all fial eligibility. Your assistace i providig precise details of ay applicat s occupatioal duties will be beeficial toward determiig ay fial eligibility status. Uderwritig may require additioal iformatio regardig occupatio ad icome. Uisurable occupatios ad examples of selected duties Acid Maufacturig Acid hadlers, skilled workers, other workers Acrobat Actor/Actress Armed Forces Persoel Asbestos Removal Workers Astrologer Athlete, Professioal Baseball, Basketball, Bowlig, Golf, Jockey, Karate Istructor, Ski Istructor, Skier, Swimmig, Teis Automobile Idustry Assembly Workers, Factory Aviatio Idustry Air Traffic Cotrol Specialist Aviatio Idustry/Aircraft Crew Flight Attedats, Other Pilots or Officers (balloo, bush, test, crop dustig, firefightig, istructor, law eforcemet, cable or pipelie patrol or helicopter) Bailbodsma Bill Collector Repossessig Blaster or Explosive Hadler Broker Floor trader Buildig ad Costructio/Bridge Costructio Paiter, Structural Steel Workers Buildig ad Costructio/Buildig Cleaers, Exterior Sadblasters Buildig ad Costructio/Geeral Costructio Explosive Hadler or Blaster, Paiter (exterior-structural steel), Steeplejack, Structural Steel Workers (icludes metal tak erectio), Tower Erectors, Tuel Workers (shaft or subway) Busboy, Busgirl Casio Workers (Dealers, Pit Boss, workers o floor) Chemical Idustry Acid or Caustic Material Hadlers, Machie Operators, Maiteace Worker, Other Workers, Still ad Tak Cleaers Circus or Carival Workers Acrobat, Aerialists, High Wire Performers, Wild Aimal Hadlers or Attedats Crop Duster (flyig) Diver Dockworker, Stevedore, Wharfworker (water trasportatio) Drivers Ash, Garbage, Trash, Emergecy Vehicle (other tha Fire), Racig (all types), Taxicab Egieer Miig (udergroud mie) Etertaimet Idustry (Movies/Radio/Televisio) Actor/ Actress/Etertaier Explosive Hadler or Blaster Fashio Model Firefighter Fishig Idustry/Fisher Deep Sea Others NEC (icludig divers) Gambler, Professioal Garbage Collector Guard Priso or Correctioal Facility Guide Moutai Climbig or River Health Care Services, Professioal Masseur or Masseuse Horse Breaker Jockey Juk Dealer Law Eforcemet Jailer, Matro, Parole, Probatio, Police Officer Narcotics, Vice or Udercover, Priso Guard Logshore Worker Lumber Idustry/Loggig Raft or River Crew Lumber Idustry/Road Buildig Workers ad Crew Supervisor Lumber Idustry/Sawmills Laborer, Logpile Worker, Other Workers, Pod Worker, Slip Worker Lumber Idustry/Woods Crew Fallers (shear operator), Chopper, Bucker, Busheler, Choke Setter, Chaisaw Operator, Hooker, Rigger, etc. Lumber Idustry/ Yard, Lumber All Workers (o-clerical) Marie Idustry/Seagoig Vessels Cargo Crew Masseur or Masseuse Metal Idustry Workers i furace rooms or those workig with or ear hot metal or slag 4
5 Miig Idustry Udergroud Workers, Geerally; Hard Rock Miers Miig Idustry/Ope Pit ad Strip Mies Blaster or Explosive Hadler Miig Idustry/Udergroud Mies Blaster or Explosive Hadler, Egieer Musicia Night Club, Restaurats, Louges, Tavers, etc. Pritig ad Publishig Idustry (Books, Newspapers, Periodicals) Author/Novelist/Writer All Others [ot salaried] Public Utilities/Electric Cable Splicer, Power Lie Istaller/ Repairer, Troubleshooter, Tower Erectors, Tree Trimmers, Tuel Workers (shaft or subway) Public Utilities/Telephoe, Telegraph, Cable TV Liema Quarries Blaster Radium Workers Rederig Plat Workers Restaurat/Taver Idustry Barteder (ot ower), Busboy, Busgirl Rodeo Performer Steeplejack Stevedore, Dockworker, Wharfworker (water trasportatio) Structural Steel Workers (icludes metal tak erectio) Stutlady, Stutma Tattoo Artist/Body Piercig Taxicab Driver Trash Collector Tree Trimmer/Surgeo Wharfworker, Dockworker, Stevedore (water trasportatio) Zoo Attedat Wild Aimal Hadlers DI Rider Build Chart Uisex Table 5'0" 183 5'3" 190 5'6" 206 5'9" 227 6'0" 250 6'3" 280 6'6" 305 6'9" 329 5'1" 183 5'4" 196 5'7" 213 5'10" 234 6'1" 259 6'4" 288 6'7" 313 6'10" 339 5'2" 186 5'5" 201 5'8" 220 5'11" 242 6'2" 270 6'5" 297 6'8" 321 Additioal Product Features, Provisios ad Riders Subject to state approval Retur of Premium The ROP feature allows the base isured to receive a refud, up to 100 percet of all premiums paid ito the policy, upo surreder of the policy. The ROP amout will retur all premiums, paid ad waived, icludig all policy fees ad all rider premiums. The Retur of Premium percetages will vary from policy year to policy year o a policy to policy basis. Uemploymet Provisio* This provisio has a 6 moth beefit period where we will waive the premiums for the base pla ad all riders if the Isured becomes uemployed. The base pla must be i force for 24 moths (i PA, 9 moths) before uemploymet begis. The elimiatio period is 4 straight weeks of uemploymet where the Isured is receivig state or federal uemploymet beefits.** Proof of uemploymet will be required at the time of claim. This will be a oe time waiver. * I CA, IN, MT, NJ, SC ad VT: Waiver of Premium For Uemploymet Rider. ** I Utah ad Pesylvaia, from ay recogized uemploymet program. Commo Carrier Death Beefit Provisio This provisio provides for a additioal death beefit equal to 100 percet of the origial face amout. If the base isured dies i a accidet while a fare payig passeger o a commo carrier (e.g., airplae, trai, bus, etc.), we will pay the beeficiary the additioal amout. Disability Icome Rider (ot available o ROP products) The rider ca oly be added at issue. The premium is guarateed oly for the first year. The Isured ca apply at issue for a maximum mothly beefit equal to the lesser of: 1.5 percet of the face amout at issue or $3,000 per moth or 60 percet of the Isured s mothly gross icome (If group isurace disability coverage is i force, a maximum total beefit of 72 percet of the isured s mothly gross icome may be allowed.) The mothly beefit amout beig applied for will be reduced by the amout of ay idividually owed Disability Icome isurace already i-force. The Isured will also apply for either a 18-moth beefit or a 30-moth beefit. The mothly beefit amout ad the beefit period caot be chaged after issue. The elimiatio period is 90* days. Pre-existig coditios are excluded from coverage durig the first two years of the policy. The miimum mothly beefit amout that ca be applied for is $250. The Isured ca use the 18 or 30 moths of beefit at various times if the disability did ot last the etire beefit period 5
6 (i.e., iitial disability lasted 12 moths ad so isured has 6 moths of a 18-moth beefit left). Oce the Isured uses up the etire 18 or 30 moths of disability beefits, the rider termiates ad the premium drops off. If the Isured does ot become disabled prior to the earlier of the ed of the level period or age 60, the beefit is o loger available. However, if the Isured is i beefit he/she will cotiue to receive the remaider of the beefit as log as he/ she is still disabled. The rider premium stops o the aiversary date of the level period or the aiversary date followig the Isured s 60th birthday. The defiitio of disability will be Ay Occupatio for the etire 18 or 30 moths. Ay Occupatio disability is defied as the Isured s iability to substatially perform i the usual ad customary way the essetial duties of ay occupatio for which the Isured may qualify by reaso of educatio, traiig or experiece. The et mothly icome disability beefit payable equals the mothly icome beefit show o the policy data pages, reduced by the amout of Social Isurace beefits received, if ay, for the total disability beig claimed. Social Isurace meas disability or retiremet beefits the Isured is receivig due to a curret sickess or ijury. Social Isurace beefits iclude: Social Security Disability or Retiremet Beefits, Workers Compesatio Beefits, Govermet Retiremet ad/or Disability Fud Beefits, ad Railroad Retiremet Act Disability Icome or Retiremet Beefits. Regardless of ay reductio due to Social Isurace, beefits payable for Total Disability uder this Rider will ot be less tha $50 per moth. *I MD, elimiatio period is 120 days. Waiver of Premium Due to Disability Rider If the Isured becomes totally disabled ad is uable to work, we will waive the premium for the base policy ad all riders through the level period. The elimiatio period is 90* days. This beefit will cotiue as log as the Isured is disabled. If the Isured does ot become disabled prior to the earlier of the ed of the level period or age 60, the beefit is o loger available. The premium for this rider stops o the aiversary date of the level period or the aiversary date followig the Isured s 60th birthday. The defiitio of disability will be Ay Occupatio. Ay Occupatio disability is defied as the isured s iability to substatially perform i the usual ad customary way the essetial duties of ay occupatio for which the Isured may qualify by reaso of educatio, traiig or experiece. The premium will be a percet of the total premium for the base policy ad all other riders. *I MD, elimiatio period is 120 days. 6 Residetial Damage Rider If the primary residece sustais $25,000 or more of damage, this provisio allows the mothly base premiums ad riders to be waived for oe six-moth period. Accelerated Death Beefit Rider The rider ca oly be added at issue. A Accelerated Death Beefit Rider (o cost) will be available as a additio at issue. The rider provides a lump-sum beefit if the Isured provides evidece that his/her life expectacy is 24 moths or less. The lump-sum beefit is equal to 92 percet of the death beefit. Oce the 92 percet beefit is paid out, the policy will be termiated. I Florida, life expectacy is 12 moths or less. The lump-sum beefit is equal to 94 percet of the death beefit. I New Jersey, life expectacy is 6 moths or less. The lumpsum beefit is equal to 96 percet of the death beefit. I IN, OR ad WA, lump sum beefit is equal to 94 percet. The ABR rider may ot be available i all states. Accidetal Death Beefit Rider The rider ca oly be added at issue. The issue age of the base isured must be The rider termiates ad the premium stops at the earlier of the level period or the aiversary date of the policy followig the Isured attaiig age 65. The ADB amouts available are based o the issue age of the base isured ad are as follows: Miimum ADB Amout: $10,000 Maximum ADB Amout: Issue Ages: = $100,000 Issue Ages: = $250,000 OR 1 times the face amout, whichever is less. Premiums will ot vary by sex or smoker classificatio. Childre s Rider The rider ca oly be added at issue, ad is available for the base policyower oly. The issue age of the base isured must be The rider termiates ad the premium stops at the earlier of the aiversary date followig the Isured s age 65 or the yougest child attais age 23. The Childre s Rider covers all umarried depedet childre (age 15 days through 23 years (i.e., caot be added after 20 years of age)) who are members of the Isured s household ad listed i the applicatio. Childre bor or adopted after issue of this rider are icluded automatically whe they attai the age of 15 days. Whe the coverage o a child expires, the child may, without evidece of isurability, covert to ay form of permaet isurace up to $5,000 for every $1,000 of term coverage. The aual premium for the Childre s Rider is $7.20 for every $1,000 of isurace. This rider is available i amouts of $5,000 ad $10,000.
7 Life isurace uderwritte by: Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay Mutual of Omaha Plaza Omaha, NE mutualofomaha.com Product base plas, provisios, features ad riders may ot be available i all states ad may vary by state. Policy forms: Full Guaratee 15-year level term: B630LNA07P, or state equivalet. I FL, B650LFL07P. I LA, B690LLA07P. I NC, B762LNC07P. I OK, B832LOK07P. I OR, B842LOR07P. I TX, B892LTX07P. 20-year level term: B628LNA07P, or state equivalet. I FL, B648LFL07P. I LA, B688LLA07P. I NC, B760LNC07P. I OK, B830LOK07P. I OR, B840LOR07P. I TX, B890LTX07P. 20-year level term with retur of premium: B629LNA07P, or state equivalet. I FL, B649LFL07P. I LA, B689LLA07P. I NC, B761LNC07P. I OK, B831LOK07P. I OR, B841LOR07P. I TX, B891LTX07P. 30-year level term: B634LNA07P, or state equivalet. I FL, B654LFL07P. I LA, B694LLA07P. I NC, B766LNC07P. I OK, B836LOK07P. I OR, B846LOR07P. I TX, B896LTX07P. 30-year level term with retur of premium: B635LNA07P, or state equivalet. I FL, B655LFL07P. I LA, B695LLA07P. I NC, B767LNC07P. I OK, B837LOK07P. I OR, B847LOR07P. I TX, B897LTX07P. Five-Year Guaratee 20-year level term: B626LNA07P, or state equivalet. I FL, B646LFL07P. I LA, B686LLA07P. I NC, B758LNC07P. I OK, B828LOK07P. I OR, B838LOR07P. I TX, B888LTX07P. 30-year level term: B632LNA07P, or state equivalet. I FL, B652LFL07P. I LA, B692LLA07P. I NC, B764LNC07P. I OK, B834LOK07P. I OR, B844LOR07P. I TX, B894LTX07P. For producer use oly. Not for use with the geeral public.
Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay term life express 15, 20, 30 product ad uderwritig guide L7595_0908 For producer use oly. Not for use with the geeral public. Safeguardig A Family
Uited of Omaha Life Isurace Compay A Mutual of Omaha Compay term life complete 15, 20, 30 product guide L7763_0911 For producer use oly. Not for use with the geeral public. 1 Safeguardig A Family s Most
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
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
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
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
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
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
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.
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
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
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
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
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
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.
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
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,
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
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
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
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
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
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
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
For customers Whole of Life Policy coditios Pays a lump sum o death or diagosis of a defied termial illess. Cotets Welcome to Aego 03 What we mea by you 03 Your cotract 03 Plai Eglish 03 Cotact us 03 1
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
Subject CT5 Cotigecies Core Techical Syllabus for the 2015 exams 1 Jue 2014 Aim The aim of the Cotigecies subject is to provide a groudig i the mathematical techiques which ca be used to model ad value
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
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
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
THE UNIVERSITY OF CHICAGO 457(b) DEFERRED COMPENSATION PLAN ENROLLMENT GUIDE 2016 2 Overview 3 How to Eroll 5 Your Cotributios 5 Ivestmets 6 Receivig Your Beefits 7 Additioal Iformatio Overview The Uiversity
STRATEGIC OUTCOMES PRACTICE TECHNICAL ADVISORY BULLETIN February 2011 FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS www.willis.com Natioal Fire Protectio Associatio (NFPA) #25 a mai
Guaratee cliets Withdrawals with SuAmerica Icome Plus 6% SM More Now More Later More Flexibility Growth with SuAmerica Icome Builder 8% SM For fiacial professioal use oly. Not for distributio to the public.
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
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
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.
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
Uited of Omaha Life Isurace Compay Compaio Life Isurace Compay Mutual of Omaha Affiliates Life Isurace Uderwritig Guidelies As of: March 2010 Ask your uderwriter about the Fit uderwritig credit program!
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
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
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
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
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
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.
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,
Part 387 Miimum Levels of Fiacial Resposibility for Motor Carriers Iterstate ad Itrastate Commerce 35 Part 387 Miimum Levels of Fiacial Resposibility for Motor Carriers (Iterstate ad Itrastate Commerce)
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
FLEXIBLE GUARANTEE BOND SERIES 2 Key features of the Flexible Guaratee Bod Series 2 The Fiacial Coduct Authority is a fiacial services regulator. It requires us, LV=, to give you this importat iformatio
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
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
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
Comfort for Life CAPT CAPF CHPF CAUF CSCF Evaporator Coils www.daikicomfort.com "I'm a Daiki Comfort Pro" Those five simple words ca offer you comfort like you ve ever experieced. The words mea that the
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
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
Flood Emergecy Respose Pla This reprit is made available for iformatioal purposes oly i support of the isurace relatioship betwee FM Global ad its cliets. This iformatio does ot chage or supplemet policy
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
Itroducig Your New Wells Fargo Trust ad Ivestmet Statemet. Your Accout Iformatio Simply Stated. We are pleased to itroduce your ew easy-to-read statemet. It provides a overview of your accout ad a complete
FIRST AID AT WORK What is First Aid? First aid is the immediate care give to a perso who is ijured or who suddely becomes ill. It ca rage from cleaig a cut ad applyig a badage to helpig someoe who is chokig
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
Itroductio to the Time Value of Moey Lecture Outlie I. Why is there the cocept of time value? II. Sigle cash flows over multiple periods III. Groups of cash flows IV. Warigs o doig time value calculatios
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
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
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
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
beefits TABLE OF CONTENTS beefits program Brookhave Sciece Associates, LLC (BSA) believes that employee beefits are a importat ad meaigful part of the compesatio received by every employee. BSA has provided
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
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
AVAILABLE TO INVESTMENT PENSION ARF/AMRF INVESTORS BCP EQUITY INDEX BONDS TWO CAPITAL SECURE BONDS THAT PROVIDE ACCESS TO LEADING EUROPEAN AND WORLD EQUITY INDICES Track the performace of the Fivex S&E
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.
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,
COACHING EDUCATION PROGRAM REQUIREMENTS A. COACH REGISTRATION All ice hockey coaches as well as istructors of USA Hockey programs shall be registered for the curret seaso (before the start of the seaso)
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,
Hederso Ivestmet Fuds APPLICATION FORM Valid from 11 May 2015 You should use this form if you wish to ivest i the Hederso Ivestmet Fuds rage. Further iformatio is cotaied i the Prospectus, the Additioal
LIFE INSURANCE WITH LONG-TERM CARE ADVANCE Isure the fiacial future of your loved oes, ad your fiacial idepedece, whe you eed it the most! Desjardis Isurace refers to Desjardis Fiacial Security Life Assurace
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.
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
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
Ear The save 25/gallo for the first 2 billig periods o fuel purchases with the ExxoMobil Busiess Card. * No miimum purchase requiremets ad o maximum savigs cap. Limited-time offer. Must apply by 6/30/16.
Call: 0191 505 0033* Lies are ope betwee 9am to 6pm Moday to Friday (excludig UK bak holidays) Email us: firstname.lastname@example.org** Write to us: High Yield Vaquis Bak, Freepost RSGY-CKJA-BKCS,
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
_ìóáåö=vçìê=cáêëí= eçãé=áå=`~å~ç~ What Newcomers Need to Kow ^=mi^`b=ql=`^ii=eljbk=^=mi^`b=lc=vlro=ltkk You ve made Caada your ew home ad ow you re lookig for a place of your ow. Buyig a house is a excitig
Help your customers protect their assets. Ad their peace of mid. empowered Make the right choice with Caara HSBC Orietal Bak of Commerce Life Isurace Group Secure Mitigate the risk of loa recovery i the
User guide e-trader user guide Itroductio At UK Geeral our aim is to provide you with the best possible propositio for you ad your customers. We believe i offerig brokers a choice of how they trade with