Viva 100 Universal Variable Life
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1 Viva 100 Universal Variable Life
2 Viva 100 Protection with excellent accumulated value based on international mutual funds investments WHY VIVA 100? Combines the flexibility and protection of the Universal Life insurance with international mutual fund investments. Policy values are based on the performance of an array of available investment funds, which could provide significant earnings. As a protection to the policyholder, policy accumulation values are held in a separate account from the assets of the insurance company. Premium payments and benefits may vary to suit customer needs. Wide variety of mutual funds available, allowing combinations and diversification of risk. The mutual fund transaction takes place in the NY Stock Exchange or other world markets. Additional deposits may be made any time. Partial withdrawals option available. MINIMUM FACE AMOUNT US$100,000 INITIAL PREMIUM US$1,500 AGES OF ISSUE 1-75 years AVAILABLE RIDERS Accelerated Death Benefit (Included) Feel the TRANQUILITY of knowing that the future of your family and your wealth are protected Rev. 07/2015. The death benefit of life insurance policies is tax-exempt in the United States. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.
3 HOW DOES THE POLICY WORK? Paid premiums Accumulated Value Fund performance Growth of Accumulate Value (tax-exempt) Cost of insurance (monthly) Partial withdrawals Administrative charge (monthly) PROTECTION OPTIONS OPTION A provides a greater accumulation of money while maintaining a level death benefit. OPTION B provides an increasing death benefit during the life of the policy. $ OPTION A $ OPTION B Level Death Benefit Increasing Death Benefit Accumulated Value Years Accumulated Value Years A life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of a disability, a loss in capital, or death SAVINGS AND RETIREMENT FAMILY PROTECTION DEBTS DEATH BUSINESS CONTINUITY FUND FOR UNEXPECTED INHERITANCE TAX FINANCIAL LOAN COLLATERAL CONTINUITY OF EDUCATION FOR YOUR CHILDREN
4 Lifetime Universal Life
5 Lifetime Guaranteed values WHY A UNIVERSAL LIFE INSURANCE? A universal life policy combines two important factors: PROTECTION AND SAVINGS. Offers flexible premiums, adjustable protection and a minimum guaranteed interest rate. Provides excellent value accumulation at competitive interest rates higher than the average banking rates. Allows to increase or decrease face amount. Provides liquidity based on loans and partial withdrawals. Allows to select mode and frequency of premium payments. Provides the option to increase, decrease or suspend payment of premiums, as long as the policy has available values to cover monthly charges and cost of insurance. Represents a solid asset that complements your investment and insurance portfolio. Lifetime In addition to the accumulation of values typical of a universal life policy, Lifetime offers guaranteed values available through loans and partial withdrawals. MINIMUM FACE AMOUNT US$100,000 AGES OF ISSUE years AVAILABLE RIDERS Family Income Accidental Death Term Life Insurance Waiver of Monthly Charges Transfer Option (Included) Accelerated Death Benefit (Included) Feel the TRANQUILITY of knowing that the future of your family and your wealth are protected Rev. 07/2015. The death benefit of life insurance policies is tax-exempt in the United States. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.
6 HOW DOES THE POLICY WORK? Paid premiums Accumulated Value Interest Cash Value Loans Partial withdrawals Cost of insurance (monthly) Administrative charge (monthly) PROTECTION OPTIONS OPTION A provides a greater accumulation of money while maintaining a level death benefit. OPTION B provides an increasing death benefit during the life of the policy. $ OPTION A $ OPTION B Level Death Benefit Increasing Death Benefit Accumulated Value Years Accumulated Value Years A life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of a disability, a loss in capital, or death SAVINGS AND RETIREMENT FAMILY PROTECTION DEBTS DEATH BUSINESS CONTINUITY FUND FOR UNEXPECTED INHERITANCE TAX FINANCIAL LOAN COLLATERAL CONTINUITY OF EDUCATION FOR YOUR CHILDREN
7 Nova Universal Life
8 Nova Excellent Accumulation WHY A UNIVERSAL LIFE INSURANCE? A universal life policy combines two important factors: PROTECTION AND SAVINGS. Offers flexible premiums, adjustable protection and a minimum guaranteed interest rate. Provides excellent value accumulation at competitive interest rates higher than the average banking rates. Allows to increase or decrease face amount. Provides liquidity based on loans and partial withdrawals. Allows to select mode and frequency of premium payments. Provides the option to increase, decrease or suspend payment of premiums, as long as the policy has available values to cover monthly charges and cost of insurance. Represents a solid asset that complements your investment and insurance portfolio. Nova Offers excellent value accumulation. MINIMUM FACE AMOUNT US$100,000 AGES OF ISSUE 1-75 years AVAILABLE RIDERS Family Income Accidental Death Term Life Insurance Waiver of Monthly Charges Transfer Option (Included) Accelerated Death Benefit (Included) Feel the TRANQUILITY of knowing that the future of your family and your wealth are protected Rev. 07/2015. The death benefit of life insurance policies is tax-exempt in the United States. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.
9 HOW DOES THE POLICY WORK? Paid premiums Accumulated Value Interest Cash Value Loans Partial withdrawals Cost of insurance (monthly) Administrative charge (monthly) PROTECTION OPTIONS OPTION A provides a greater accumulation of money while maintaining a level death benefit. OPTION B provides an increasing death benefit during the life of the policy. $ OPTION A $ OPTION B Level Death Benefit Increasing Death Benefit Accumulated Value Years Accumulated Value Years A life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of a disability, a loss in capital, or death SAVINGS AND RETIREMENT FAMILY PROTECTION DEBTS DEATH BUSINESS CONTINUITY FUND FOR UNEXPECTED INHERITANCE TAX FINANCIAL LOAN COLLATERAL CONTINUITY OF EDUCATION FOR YOUR CHILDREN
10 Uniterm Universal Life
11 Uniterm Excellent protection at low cost WHY A UNIVERSAL LIFE INSURANCE? A universal life policy combines two important factors: PROTECTION AND SAVINGS. Offers flexible premiums, adjustable protection and a minimum guaranteed interest rate. Provides excellent value accumulation at competitive interest rates higher than the average banking rates. Allows to increase or decrease face amount. Provides liquidity based on loans and partial withdrawals. Allows to select mode and frequency of premium payments. Provides the option to increase, decrease or suspend payment of premiums, as long as the policy has available values to cover monthly charges and cost of insurance. Represents a solid asset that complements your investment and insurance portfolio. Uniterm Combines the advantages of low cost term insurance with the accumulated values of a universal life plan. Offers high face amounts at low cost. MINIMUM FACE AMOUNT US$250,000 AGES OF ISSUE years AVAILABLE RIDERS Family Income Accidental Death Term Life Insurance Waiver of Monthly Charges Transfer Option (Included) Accelerated Death Benefit (Included) Feel the TRANQUILITY of knowing that the future of your family and your wealth are protected Rev. 07/2015. The death benefit of life insurance policies is tax-exempt in the United States. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.
12 HOW DOES THE POLICY WORK? Paid premiums Accumulated Value Interest Cash Value Loans Partial withdrawals Cost of insurance (monthly) Administrative charge (monthly) PROTECTION OPTIONS OPTION A provides a greater accumulation of money while maintaining a level death benefit. OPTION B provides an increasing death benefit during the life of the policy. $ OPTION A $ OPTION B Level Death Benefit Increasing Death Benefit Accumulated Value Years Accumulated Value Years A life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of a disability, a loss in capital, or death SAVINGS AND RETIREMENT FAMILY PROTECTION DEBTS DEATH BUSINESS CONTINUITY FUND FOR UNEXPECTED INHERITANCE TAX FINANCIAL LOAN COLLATERAL CONTINUITY OF EDUCATION FOR YOUR CHILDREN
13 Univida Universal Life
14 Univida Excellent protection at low cost with continuous or limited premium payments WHY A UNIVERSAL LIFE INSURANCE? A universal life policy combines two important factors: PROTECTION AND SAVINGS. Offers flexible premiums, adjustable protection and a minimum guaranteed interest rate. Provides excellent value accumulation at competitive interest rates higher than the average banking rates. Allows to increase or decrease face amount. Provides liquidity based on loans and partial withdrawals. Allows to select mode and frequency of premium payments. Provides the option to increase, decrease or suspend payment of premiums, as long as the policy has available values to cover monthly charges and cost of insurance. Represents a solid asset that complements your investment and insurance portfolio. Univida Provides attractive cash value accumulation and protection. MINIMUM FACE AMOUNT US$250,000 AGES OF ISSUE years COASEGURO AVAILABLE RIDERS Family Income Accidental Death Term PERÍODO Life DE Insurance ESPERA Waiver of Monthly Charges Transfer Option (Included) Accelerated Death Benefit (Included) Feel the TRANQUILITY of knowing that the future of your family and your wealth are protected Rev. 07/2015. The death benefit of life insurance policies is tax-exempt in the United States. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.
15 HOW DOES THE POLICY WORK? Paid premiums Accumulated Value Interest Cash Value Loans Partial withdrawals Cost of insurance (monthly) Administrative charge (monthly) PROTECTION OPTIONS OPTION A provides a greater accumulation of money while maintaining a level death benefit. OPTION B provides an increasing death benefit during the life of the policy. $ OPTION A $ OPTION B Level Death Benefit Increasing Death Benefit Accumulated Value Years Accumulated Value Years A life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of a disability, a loss in capital, or death SAVINGS AND RETIREMENT FAMILY PROTECTION DEBTS DEATH BUSINESS CONTINUITY FUND FOR UNEXPECTED INHERITANCE TAX FINANCIAL LOAN COLLATERAL CONTINUITY OF EDUCATION FOR YOUR CHILDREN
16 Uniplus Universal Life
17 Uniplus Maximum protection with excellent savings WHY A UNIVERSAL LIFE INSURANCE? A universal life policy combines two important factors: PROTECTION AND SAVINGS. Offers flexible premiums, adjustable protection and a minimum guaranteed interest rate. Provides excellent value accumulation at competitive interest rates higher than the average banking rates. Allows to increase or decrease face amount. Provides liquidity based on loans and partial withdrawals. Allows to select mode and frequency of premium payments. Provides the option to increase, decrease or suspend payment of premiums, as long as the policy has available values to cover monthly charges and cost of insurance. Represents a solid asset that complements your investment and insurance portfolio. Uniplus Provides a wider range between Minimum and Target Premium. MINIMUM FACE AMOUNT US$50,000 AGES OF ISSUE 1-75 years AVAILABLE RIDERS Family Income Accidental Death Term Life Insurance Waiver of Monthly Charges Transfer Option (Included) Accelerated Death Benefit (Included) Feel the TRANQUILITY of knowing that the future of your family and your wealth are protected Rev. 07/2015. The death benefit of life insurance policies is tax-exempt in the United States. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.
18 HOW DOES THE POLICY WORK? Paid premiums Accumulated Value Interest Cash Value Loans Partial withdrawals Cost of insurance (monthly) Administrative charge (monthly) PROTECTION OPTIONS OPTION A provides a greater accumulation of money while maintaining a level death benefit. OPTION B provides an increasing death benefit during the life of the policy. $ OPTION A $ OPTION B Level Death Benefit Increasing Death Benefit Accumulated Value Years Accumulated Value Years A life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of a disability, a loss in capital, or death SAVINGS AND RETIREMENT FAMILY PROTECTION DEBTS DEATH BUSINESS CONTINUITY FUND FOR UNEXPECTED INHERITANCE TAX FINANCIAL LOAN COLLATERAL CONTINUITY OF EDUCATION FOR YOUR CHILDREN
19 Unidos Universal Life
20 Unidos WHY A UNIVERSAL LIFE INSURANCE? A universal life policy combines two important factors: PROTECTION AND SAVINGS. Offers flexible premiums, adjustable protection and a minimum guaranteed interest rate. Provides excellent value accumulation at competitive interest rates higher than the average banking rates not subject to stock market volatility. Allows to increase or decrease face amount. Provides liquidity based on loans and partial withdrawals of cash value. Allows to select mode and frequency of premium payments. Provides the option to increase, decrease or suspend payment of premiums, as long as the policy has available values to cover monthly charges and cost of insurance. Represents a solid asset that complements your investment and insurance portfolio. Unidos Is a joint life insurance policy aimed at protecting two persons. Death benefit payable on the first death. Insurable combinations: - Spouses - Parents/Children - Business Partners In case of simultaneous death within 24 hours as consequence of one same accident; the policy will pay the death benefit on both lives. If the second death occurs more than 24 hours after the first death, policy proceed will be paid on the first deceased insured only. If the cause of death is other than accidental, policy proceeds will be paid on the first deceased insured. MINIMUM FACE AMOUNT US$100,000 AGES OF ISSUE years Feel the TRANQUILITY of knowing that the future of your family and your wealth are protected Rev. 07/2015. The death benefit of life insurance policies is tax-exempt in the United States. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.
21 HOW DOES THE POLICY WORK? Paid premiums Accumulated Value Interest Cash Value Loans Partial withdrawals Cost of insurance (monthly) Administrative charge (monthly) PROTECTION OPTIONS OPTION A provides a greater accumulation of money while maintaining a level death benefit. OPTION B provides an increasing death benefit during the life of the policy. $ OPTION A $ OPTION B Level Death Benefit Increasing Death Benefit Accumulated Value Years Accumulated Value Years A life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of a disability, a loss in capital, or death SAVINGS AND RETIREMENT FAMILY PROTECTION DEBTS DEATH BUSINESS CONTINUITY FUND FOR UNEXPECTED INHERITANCE TAX FINANCIAL LOAN COLLATERAL CONTINUITY OF EDUCATION FOR YOUR CHILDREN
22 Best Indexed Indexed Life
23 Best Indexed Accumulated value based on the performance of a stock index WHY BEST INDEXED? COASEGURO Accumulates value based on the performance of a stock index. Combines two important factors: PROTECTION AND SAVINGS. Allows to select one of two stock indices: Standard & Poor s 500 (S&P500) or NASDAQ Composite Index (NASDAQ). Accumulated value will perform based on calendar year index performance. Offers PERÍODO an DE initial ESPERA participation factor of 75%. Provides unlimited growth potential (no caps). Offers a minimum guaranteed return of 0%, which ensures integrity of accumulated value in years of negative performance of the stock index. Offers flexible premiums and adjustable protection. Allows partial withdrawals of the cash value. Illustration projects policy values based on actual historical performance during the past 15, 25 and 35 years. MINIMUM FACE AMOUNT US$100,000 AGES OF ISSUE 1-75 years AVAILABLE RIDERS Family Income Accidental Death Term Life Insurance Waiver of Monthly Charges Accelerated Death Benefit (Included) Feel the TRANQUILITY of knowing that the future of your family and your wealth are protected Rev. 07/2015. The death benefit of life insurance policies is tax-exempt in the United States. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.
24 HOW DOES THE POLICY WORK? Paid premiums Accumulated Value Index performance x Participation factor Cash Value Loans Partial withdrawals Cost of insurance (monthly) Administrative charge (monthly) PROTECTION OPTIONS OPTION A provides a greater accumulation of money while maintaining a level death benefit. OPTION B provides an increasing death benefit during the life of the policy. $ OPTION A $ OPTION B Level Death Benefit Increasing Death Benefit Accumulated Value Years Accumulated Value Years A life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of a disability, a loss in capital, or death SAVINGS AND RETIREMENT FAMILY PROTECTION DEBTS DEATH BUSINESS CONTINUITY FUND FOR UNEXPECTED INHERITANCE TAX FINANCIAL LOAN COLLATERAL CONTINUITY OF EDUCATION FOR YOUR CHILDREN
25 Best Guarantee Whole Life
26 Best Guarantee Level premiums, guaranteed protection and values WHY BEST GUARANTEE? BEST GUARANTEE is a whole life policy ideal for long-term protection. Directed to young executives who wish to pay up their life policy in a short period of time, business partners who want an accumulated net worth or families who desire guaranteed protection with guaranteed cash values. This product provides guaranteed stability unmatched by no other insurance plan. Offers PERÍODO guaranteed DE ESPERA costs and level protection. Provides guaranteed level premiums payable in 8, 10 or 15 years. Once premiums are duly paid in the chosen period, coverage will remain in force to age 121. Offers guaranteed cash values that can be withdrawn from the policy as loans. MINIMUM FACE AMOUNT US$50,000 AGES OF ISSUE 1-75 years Feel the TRANQUILITY of knowing that the future of your family and your wealth are protected Rev. 08/2015. The death benefit of life insurance policies is tax-exempt in the United States. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.
27 AVAILABLE RIDERS Term Life Insurance Accelerated Death Benefit (Included) HOW DOES THE POLICY WORK? Guaranteed protection Guaranteed premiums Guaranteed cash values Age 1 year 120 years A life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of a disability, a loss in capital, or death SAVINGS AND RETIREMENT FAMILY PROTECTION DEBTS DEATH BUSINESS CONTINUITY FUND FOR UNEXPECTED INHERITANCE TAX FINANCIAL LOAN COLLATERAL CONTINUITY OF EDUCATION FOR YOUR CHILDREN
28 Horizon Whole Life
29 Horizon Guaranteed issue without evidence of insurability WHY HORIZON? HORIZON is a whole life policy ideal for clients whose medical condition does not allow them to be insured under a traditional life insurance policy. Policy issued without evidence of insurability. Variable death benefits on first ten years of the plan. Offers PERÍODO guaranteed DE ESPERA costs and level protection. Provides guaranteed level premiums. Offers guaranteed cash values. MINIMUM FACE AMOUNT US$100,000 MAXIMUM FACE AMOUNT US$500,000 AGES OF ISSUE years Feel the TRANQUILITY of knowing that the future of your family and your wealth are protected Rev. 07/2015. The death benefit of life insurance policies is tax-exempt in the United States. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.
30 VARIABLE BENEFITS Second to fifth year Sixth year Seventh year Eight year Ninth year After the ninth year Beneficiaries will receive return of premiums paid Beneficiaries will receive 20% of insured face amount Beneficiaries will receive 40% of insured face amount Beneficiaries will receive 60% of insured face amount Beneficiaries will receive 80% of insured face amount Beneficiaries will receive 100% of insured face amount HOW DOES THE POLICY WORK? Guaranteed protection Guaranteed premiums Guaranteed cash values Age 1 year 100 years A life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of a disability, a loss in capital, or death SAVINGS AND RETIREMENT FAMILY PROTECTION DEBTS DEATH BUSINESS CONTINUITY FUND FOR UNEXPECTED INHERITANCE TAX FINANCIAL LOAN COLLATERAL CONTINUITY OF EDUCATION FOR YOUR CHILDREN
31 Term 95 Term Life
32 Term 95 WHY TERM 95? Term 95 is a term life policy highly recommended to cover individual or business temporary needs. Offers protection for specific periods of time. It does not accumulate values, which allows it to be offered at an affordable cost. Issued with automatic renewal benefit. At the end of the period originally contracted the policy is automatically PERÍODO renewed DE for ESPERA another period of the same duration without requiring evidence of insurability. Renewal premium is calculated based on attained age. When contracted for 20 or 30 years it may be purchased with a Return of Premium Rider, which will guarantee that at the end of the initial term period, all premiums paid will be returned to the policyholder less administrative fees. Even after receiving the return of premiums, you can maintain your protection only paying the corresponding annual premium. MINIMUM FACE AMOUNT US$250,000 PROTECTION PERIOD 5, 10, 15, 20 and 30 years AGES OF ISSUE years Feel the TRANQUILITY of knowing that the future of your family and your wealth are protected Rev. 07/2015. The death benefit of life insurance policies is tax-exempt in the United States. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.
33 AVAILABLE RIDERS Return of Premium (available for 20 and 30 years) Accelerated Death Benefit (Included) HOW DOES THE POLICY WORK? Level Protection $ Level Premium No Accumulated Values Age 21 years years A term life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of death FAMILY PROTECTION DEBTS DEATH BUSINESS CONTINUITY INHERITANCE TAX FINANCIAL LOAN COLLATERAL CONTINUITY OF EDUCATION FOR YOUR CHILDREN
34 Term 100 Term Life
35 Term 100 WHY TERM 100? Term 100 is a term life policy highly recommended to cover individual or business temporary needs. Offers protection for specific periods of time. It does not accumulate values, which allows it to be offered at an affordable cost. Issued with automatic renewal benefit. At the end of the period originally contracted the policy is automatically PERÍODO renewed DE for ESPERA another period of the same duration without requiring evidence of insurability. Renewal premium is calculated based on attained age. When contracted for 20 or 30 years it may be purchased with a Return of Premium Rider, which will guarantee that at the end of the initial term period, all premiums paid will be returned to the policyholder less administrative fees. Even after receiving the return of premiums, you can maintain your protection only paying the corresponding annual premium. MINIMUM FACE AMOUNT US$250,000 PROTECTION PERIOD 5, 10, 15, 20 and 30 years AGES OF ISSUE years Feel the TRANQUILITY of knowing that the future of your family and your wealth are protected Rev. 07/2015. The death benefit of life insurance policies is tax-exempt in the United States. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.
36 AVAILABLE RIDERS Return of Premium (available for 20 and 30 years) Accelerated Death Benefit (Included) HOW DOES THE POLICY WORK? Level Protection $ Level Premium No Accumulated Values Age 21 years years A term life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of death FAMILY PROTECTION DEBTS DEATH BUSINESS CONTINUITY INHERITANCE TAX FINANCIAL LOAN COLLATERAL CONTINUITY OF EDUCATION FOR YOUR CHILDREN
37 Riders
38 Riders FAMILY INCOME This rider provides additional yearly income helping beneficiaries maintain their current life style. Available for the following life plans: Lifetime, Nova, Uniterm, Univida, Uniplus and Best Indexed. Annual payments during 10 or 20 years starting from date of death of the insured. Minimum benefit is US$25,000 per year, and maximum up to 30% of the face amount of the base policy. ACCIDENTAL DEATH Provides additional coverage up to US$250,000 when death occurs by accidental causes. Low yearly cost of US$1.75 per thousand. The coverage of this rider cannot exceed the face amount of the base policy. TERM LIFE INSURANCE Provides Term Life insurance in addition to base Universal Life plan. Offers higher coverage at lower costs in combination with the benefit of accumulated values of the Universal Life plan. Minimum benefit is US$50,000 per year, and maximum up to 5 times the face amount of the base policy. Feel the TRANQUILITY of knowing that the future of your family and your wealth are protected Rev. 07/2015. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.
39 WAIVER OF MONTHLY CHARGES BMI will waive life insurance charges when insured becomes totally disabled and disability continues for at least six consecutive months. This rider ensures the policy will remain in force without requiring additional premium payments. Total disability is defined as the inability, due to injury or illness, to engage in insured s regular occupation or any occupation for which he is reasonably trained by education or experience. TRANSFER OPTION This rider provides the option of transferring a policy from parent to child or an executive to another (if the company is the policy owner). The new proposed insured must submit an application and insurability requirements. The date of issue of the new policy will be the same as the original policy. The age of issue will be determined by the original date of issue, allowing new insured to pay inferior rates than his current age. This rider is offered at no additional cost. ACCELERATED DEATH BENEFIT If insured s medical condition is terminal and life expectancy is of no more than twelve months, BMI will pay up to 50% of the insured sum payable by death (up to a maximum of US$250,000). To enjoy this benefit the policy must have two years in force. This rider is offered at no additional cost. A life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of a disability, a loss in capital, or death SAVINGS AND RETIREMENT FAMILY PROTECTION DEBTS DEATH BUSINESS CONTINUITY FUND FOR UNEXPECTED INHERITANCE TAX FINANCIAL LOAN COLLATERAL CONTINUITY OF EDUCATION FOR YOUR CHILDREN
40
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