Foundational Life. a guide for Representatives
|
|
- Amy Hutchinson
- 7 years ago
- Views:
Transcription
1 Foundational Life a guide for Representatives 1
2 CONTENTS What is Foundational Life? Why is it Unique? How Does Foundational Life Work? The Market Issue Ages Face Amounts Coverage Types Death Benefit Cost of Insurance (COI) Options Guaranteed Cash Surrender Value Cash Surrender Value Reduced Paid-Up Values Administration Fee Special Family Offer Policy Loans Withdrawals Premium Payment Methods Surrender Charges Investment Options Riders and Benefits Waiver of Premium Benefits
3 What Is Foundational Life? Foundational Life is a totally new concept in life insurance. It combines the security of permanent life insurance with the flexibility of a universal life plan. It offers several important features your clients will welcome, including: Guaranteed death benefit Opportunities for tax-advantaged investment growth Various premium payment options A variety of riders and benefits Why is it Unique? Foundational Life brings together the best attributes of both permanent and universal life insurance. The result is a unique range of features, benefits, riders, and guarantees. Your clients will find Foundational Life to be an affordable, practical solution for many of their financial and business needs. Issue Ages 20 Year Renewable Term Paid-Up at Age 85 : 0-60 Level COI Options: To Age 100: Pay: Pay: Pay: 0-65 Face Amounts Minimum: $10,000 Maximum: $10,000,000 Coverage Types Foundational Life can provide coverage for one or more people. Coverage types include: How Does Foundational Life Work? Your client can pay the minimum premium and will have a guaranteed death benefit. If they choose to pay more than the minimum, their additional contribution will be allocated to an investment of their choice. By contributing more, they can increase their fund value as well as their cash surrender value. The Market Foundational Life was created with the middle market in mind, and is geared towards those seeking permanent life insurance along with flexibility and investment advantages. Typically, these tend to be people with families or retirees with estates they d like to preserve. However, Foundational Life will also appeal to a broader market, since it provides both security and flexibility. Single Life Joint First-to-Die (up to 5 lives) Joint Last-to-Die (2 lives only) Death Benefit The policy pays an amount equal to the face amount plus the value of the investment account. 4 5
4 Cost of Insurance (COI) Options Guaranteed Level COI: Pay to Age Pay 15 Pay 20 Pay Each provides coverage for life, with the cost of insurance guaranteed to remain the same for the term of the policy. Charges for Foundational Life stop when the pay period is over. If there are any rider premiums, these will continue to be payable. 20 Year Renewable Term Paid-Up at Age 85 This provides coverage up to age 100, with premiums renewing every 20 years, up to age 85. Charges stop after age 85. Switch in Cost of Insurance Option Allows clients with 20 year Renewable Term Paid-Up at Age 85 to switch to any Level Cost of Insurance Option. This option is not available during the first two years of the policy. Guaranteed Cash Surrender Value Available to clients with Level Cost of Insurance policies who wish to surrender their policy benefits. Begins in the 5 th policy year for 10 Pay, 15 Pay and 20 Pay. Begins in the 12 th policy year for Pay to Age 100. Cash Surrender Value A client may surrender their policy benefits at any time, for an amount equal to the Guaranteed Cash Surrender Value, plus the Total Investment Value, minus any outstanding loans or withdrawals. Market Value Adjustments and taxation may apply to surrenders. Administration Fee The administration fee for a Single policy or Joint policies is $84 per year, or $7 per month, per policy. Special Family Offer When two policies are purchased at the same time, by any two people living under the same roof, they will each receive a 50% discount on their administration fee. Also, if additional policies are purchased at the same time for children, those policies will have their administration fees waived. Reduced fees will be in effect for the life of the policies. These offers are available only at the time of issue. Example 1: A husband and wife purchase separate policies at the same time (not a joint policy). The monthly administration fee for each will be reduced by 50%. Instead of $7 per month, each pays $3.50 per month. If they purchase policies for their children at the same time, there will be no administration fees on those policies. Example 2: Two policies are purchased at the same time: one for a parent and one a child. The monthly administration fee for each will be reduced by 50%. Instead of $7 per month, each policy s fee will be $3.50. If the parent decides to purchase additional policies for other children at the same time, there will be no administration fees on those policies. Policy Loans Your client can borrow a minimum of $500, and a maximum of 90% of the Total Investment Value plus the Guaranteed Cash Value (minus any outstanding loans). Loans may be subject to tax. Reduced Paid-Up Values Beginning in the 11 th year, a client may opt to stop paying premiums in exchange for reduced policy benefits. In this case, they will receive the Total Investment Value (value of the Investment Account), which will be treated as a withdrawal. All riders will terminate and no further deposits will be allowed. The Reduced Paid-Up Value is guaranteed. 6 Withdrawals Clients may withdraw a portion of the Total Investment Value at any time. The minimum amount available for withdrawal is $500. Withdrawals may be subject to a market value adjustment and/or taxation. Premium Payment Methods Clients can choose to make premium payments monthly (PAC) or annually. The monthly PAC premium is equal to the annual premium divided by 12. 7
5 Surrender Charges There are no surrender charges on Foundational Life. Investment Options FIXED INTEREST ACCOUNTS Foundational Life Daily Interest Account Objective: Guaranteed interest rates having up to a one-year term. Risk: Risk-free guaranteed minimum return linked to Government of Canada Treasury Bills. This account reflects short-term interest rates (up to one year) and is competitive with rates earned on the current market on daily interest savings accounts at Canadian banks. This account is attractive during periods when interest rates are rising because you are not locked into lower prevailing rates for long periods. The interest rate is equal to 90% of the yield on 30-day Government of Canada Treasury Bills, minus 2%. The guaranteed minimum return is 0%. Foundational Life Long Term Interest Account Objective: Guaranteed interest rates linked to 10-year Government of Canada bonds over a ten year term. Risk: Risk-free guaranteed minimum return of 2.5%. This account delivers returns that compete with longer-term investments, but is free of the usual restrictions that lock in your funds for prolonged periods. The interest rate is equal to 90% of the 10-year rolling average rate linked to 10-year Government of Canada Bonds, minus 2%. INTEREST INDEX-LINKED ACCOUNT S&P/TSX 60 Stock Index Account Objective: Long-term growth based on the growth in value of the companies that make up the Index. Risk: Volatility (up and down swings in value) tends to fall in the medium range. The S&P/TSX 60 Stock Index Account seeks to achieve investment results that correspond to the change in value of the S&P/TSX 60 Stock Index. The S&P/TSX 60 Index is a large capitalization index for Canadian equity markets. The 60 stock index is market-capitalization weighted, with weight adjusted for available share float, and is balanced across 10 economic sectors (or industries). S&P/TSX 60 constituents are selected for inclusion using Standard & Poor s guidelines for evaluating company capitalization, liquidity and fundamentals. 8 The S&P/TSX 60 was launched on December 31, The S&P/TSX 60 serves as the base for relative derivative products such as exchange traded funds, and index options and futures. Our annual management fee is 3.25%. Riders and Benefits Term 10 Rider Provides the option to increase coverage by adding renewable and convertible term insurance for a ten-year period. At the end of the term, your client can renew for another 10 years, without evidence of insurability. For ages 71 to 79, the plan is renewable only to age 80. Level Term 20 Rider Provides the option to increase coverage by adding guaranteed, convertible term insurance for a twenty-year period. Your client can convert this policy to permanent insurance any time during the first 15 years, as long as they are less than 65 years old. This rider is not renewable. Critical Illness Benefit Upon diagnosis and survival of a covered critical illness, your client will have access to an amount up to the policy s Total Investment Value. Also, all insurance charges will be waived, including those for riders. Covered conditions include: heart attack, stroke, coronary artery bypass surgery, life threatening cancer, Alzheimer s disease, kidney failure, paralysis, major organ transplant (as recipient), blindness and deafness. Accidental Death Benefit Provides a lump-sum benefit, in addition to the sum insured, in the event that the Insured s death is proven to be accidental. Children s Term Insurance Rider Provides term insurance protection for each child of a life insured, including those not born at the time coverage is issued. The premium for the rider is guaranteed, regardless of the number of insured children it covers. In the future, each insured child may purchase a new permanent policy, without providing medical evidence of insurability, by means of conversion, for an amount up to 10 times the term rider coverage, up to a maximum of $150,000. (continued) 9
6 Children s Term Insurance Rider (continued) The conversion may be applied for, in writing, any time after each child s 20 th birthday, but no later than 31 days past the policy anniversary nearest each insured child s 25 th birthday. The premium paying period expires at 20 years, or the end of the premium paying period of the base plan, whichever comes first. Expiry is 31 days past the policy anniversary nearest the insured child s 25 th birthday. The annual premium for the new policy will be reduced during the first five years, by an amount up to 20% of the annual premium. Waiver of Premium Benefits Disability Waiver of Premium Benefit The minimum premium will be waived in the event of total and continuous disability of the Insured. The qualifying period is six consecutive months of total disability before the waiver can commence. Payor Total Disability Waiver of Premium Benefit If the payor is different from the Insured, all premiums including riders and policy fee will be waived upon total and continuous disability after the qualifying period of six consecutive months of full disability of the payor, and prior to the expiration of the rider. Payor Death Waiver of Premium Benefit If the payor is different from the Insured, all premiums including riders and policy fee will be waived on the policy until the expiry of the premium paying period of the policy, if the payor dies and written notice to the company is received along with evidence of such death. Premium Rate Calculation We recommend that you use the Max Illustration Software on your computer to calculate the premium. Max will determine age nearest birthday, allow you to obtain a complete and accurate illustration based on the needs analysis, and give you a personalized illustration to present to your clients. 10
7 RBC Insurance is part of RBC Financial Group, one of the oldest and largest financial groups of companies in North America. We provide a comprehensive portfolio of insurance products to protect your clients families and finances. We specialize in solutions for personal and professional needs, with insurance for life, health, home, auto, and travel. We re recognized for strength, stability, and our commitment to the 5 million customers we serve. We value the trust people place in us. Please visit our Sales Resource Centre at For use by RBC Insurance Representatives. Not intended for client distribution. Underwritten by RBC Life Insurance Company TM Trademarks of Royal Bank of Canada. Registered trademark of Royal Bank of Canada. Used under license (01/2004)
FOUNDATIONAL LIFE FOUNDATIONAL LIFE. Representative Guide
FOUNDATIONAL LIFE FOUNDATIONAL LIFE Representative Guide Contents What is Foundational Life insurance?............................. 3 Why is it Unique?...................................................
More informationYour guide to Canada Life s participating life insurance. Estate Achiever Wealth Achiever
Your guide to Canada Life s participating life insurance Estate Achiever Wealth Achiever This guide provides an overview of key features of participating life insurance products offered by Canada Life.
More informationPRODUCT FEATURES AND ATTRIBUTES
Attributes Standard Preferred Death Benefit Structure Level Amount Level Amount Level Amount Premiums Payable all, increasing at 10 yr. renewals Premiums Payable all, increasing at 10 yr. renewals Level
More informationDestiny. a guide for clients
Destiny a guide for clients 1 For those who prefer choice over chance Destiny is universal life insurance that provides a broad spectrum of choices to protect your life, your investments, and your business.
More informationParticipating life insurance
Participating life insurance Wealth Achiever Estate Achiever Canada Life offers two participating life insurance products from which to choose: Wealth Achiever and Estate Achiever. Both combine the strength
More informationTerm Life Insurance. Permanent Life Insurance PRODUCT GUIDE 4987-02A-JUL14. LifePhases is marketed through PPI Solutions.
Term Life Insurance Permanent Life Insurance PRODUCT GUIDE 4987-02A-JUL14 LifePhases is marketed through PPI Solutions. This document is a summary of the various features of the LifePhases and LifePhases
More informationYOUR GUIDE TO EQUILIFE LIMITED PAY UNIVERSAL LIFE
YOUR GUIDE TO EQUILIFE LIMITED PAY UNIVERSAL LIFE equilife CLIENT GUIDE ABOUT EQUITABLE LIFE OF CANADA Equitable Life is one of Canada s largest mutual life insurance companies. For generations we ve provided
More informationYour guide to Great-West Life Participating life insurance
Your guide to Great-West Life Participating life insurance This guide provides a high-level overview of key features of Great-West Life participating life insurance. After you review this guide, talk with
More informationFor those who prefer choice over chance
Destiny insurance For those who prefer choice over chance Make the decisions that will control your destiny Destiny * insurance is universal life insurance that provides a broad spectrum of choices to
More informationLet s talk about Critical Illness insurance
Let s talk about Critical Illness insurance ivari can help you and your family keep the quality in quality of life should you be diagnosed with a critical illness. Critical illness insurance from ivari
More informationMillennium universal life insurance
Millennium universal life insurance Permanent protection that can change with you Millennium universal life insurance Over the years, you ve worked hard to build the lifestyle you enjoy today. You ve made
More informationLife Insurance Portfolio AT A GLANCE SUN LIFE FINANCIAL
ADVISOR USE ONLY Life Insurance Portfolio AT A GLANCE SUN LIFE FINANCIAL SunTerm Sun Limited Pay Life SunUniversalLife and SunUniversalLife Max Sun Par Protector Sun Par Accumulator You can meet your clients
More information10, 15, 20-year options
10, 15, 20-year options Making it simple. Planning your future with guarantees. G R E AT- W E S T L I F E U N I V E R S A L L I F E I N S U R A N C E Limited-pay cost of insurance Making it simple Great-West
More informationAlliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages
Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living
More informationLondon Life term life insurance
Your guide to London Life term life insurance C o v e r a g e t h a t c a n c h a n g e w i t h y o u Term life insurance from London Life London Life term life insurance enables you to buy the protection
More informationEquiLiving Critical Illness Administration Rules and Guidelines Document (June 1, 2015)
EquiLiving Critical Illness Administration Rules and Guidelines Document (June 1, 2015) Prepared by: Individual Life Product Development Base plans... 4 Plan options... 4 Issue ages... 4 Coverage types...
More informationAlliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages
Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living
More informationSynergy Global Advantage Gold. Fixed Indexed Universal Life Insurance Consumer Brochure. Distributed by:
Synergy Global Advantage Gold Fixed Indexed Universal Life Insurance Consumer Brochure Distributed by: ADV 1188 (12-2011) Fidelity & Guaranty Life Insurance Company Rev. 09-2014 14-680 Synergy Global Advantage
More informationPeace. Mind. VivoLife. Why is it good for me? Flexible payment terms. A lifetime of protection. 4 enhanced protection 1 (up to 350% of sum assured)
Peace of Mind VivoLife Flexible payment terms. A lifetime of protection. VivoLife gives you the flexibility to choose from 3 levels of enhanced protection 1 for you and your loved ones. What s more, enjoy
More informationForesters Lifefirst Non-Medical Term Insurance
Special offer extended by popular demand Foresters Lifefirst Non-Medical Term Insurance Now available up to $350,000 Available through to age 55 No exams, no fluids, no APS, no routine PHIs No cost annualization
More informationDiscover What s Possible
Discover What s Possible Guaranteed Choice Whole Life Guaranteed Choice Whole Life for Individuals and Families PM6373 There is comfort in predictability There s a certain comfort that comes with knowing
More informationYour guide to participating life insurance SUN PAR PROTECTOR SUN PAR ACCUMULATOR
Your guide to participating life insurance SUN PAR PROTECTOR SUN PAR ACCUMULATOR Participate in your brighter future with Sun Life Financial. Participating life insurance is a powerful tool that protects
More informationEasy Term Policy Specs
Easy Term Easy Term Policy Specs Simplified issue / Non-Med Term Life Insurance 10, 20 & 30 year guaranteed level premium periods Available as a Return of Premium plan for the 20 & 30 year guaranteed level
More informationYour critical illness protection plan
Your critical illness protection plan It could happen to you It is estimated there are over 70,000 heart attacks in Canada each year. There are between 40,000-50,000 strokes in Canada each year. An estimated
More informationTerm life insurance. from Great-West Life. Cost-effective, flexible and convertible coverage
Term life insurance from Great-West Life Cost-effective, flexible and convertible coverage It s about your needs Convert to a longer term If you elect a term 10 life insurance policy, you can convert to
More informationCritical Illness Protection Rider Product Overview
Critical Illness Protection Rider Product Overview Whether it s a young family with a mortgage to pay and other financial commitments, or a couple who is close to retirement and who want to protect their
More informationBirla Sun Life Insurance Platinum Advantage Plan. Birla Sun Life Insurance Company Limited
Birla Sun Life Insurance Platinum Advantage Plan Investment risk in the investment portfolio is borne by the policyholder. The premiums paid in Unit Linked Insurance policies are subject to investment
More informationESTATEMAX PRODUCT GUIDE
ESTATEMAX PRODUCT GUIDE Permanent Participating Life Insurance Planning Your Future FOR ADVISOR USE ONLY HIGHLIGHTS Premium Options EstateMax 100 EstateMax 20 Pay Coverage Options Single Life Joint First
More informationIndividual Living Benefits Product Portfolio. Personal income, lifestyle and business protection
Individual Living Benefits Product Portfolio Personal income, lifestyle and business protection PROFESSIONAL MARKET The Professional Series policy OBJECTIVE n Provides non-cancellable coverage that includes
More informationequimax Par Whole Life GUIDE equimax YOUR GUIDE TO EQUIMAX 02
YOUR GUIDE TO EQUIMAX equimax CLIENT GUIDE YOUR GUIDE TO EQUIMAX 02 ABOUT EQUITABLE LIFE OF CANADA Equitable Life is the largest federally regulated mutual life insurance company in Canada. For generations
More informationLIFE INSURANCE THAT WORKS FOR LIFE Whole Life Insurance Policy endows at age 95.
ELOP Employee Life Option plus LIFE INSURANCE THAT WORKS FOR LIFE Whole Life Insurance Policy endows at age 95. It s All About the Guarantees 4 Guaranteed Premium As long as you pay your premiums, the
More informationFinancial security protection tailored for your lifestyle
G R E A T - W E S T L I F E U n i v e r s a l l i f e i n s u r a n c e Financial security protection tailored for your lifestyle F A L L 2 0 0 6 G r e a t - W e s t u n i v e r s a l l i f e i n s u
More informationDisability Insurance How to Maximize Your Benefits
Disability Insurance How to Maximize Your Benefits Until an individual has created sufficient wealth to provide adequate income for their family in the event of a disability, it is vital to manage the
More informationLondon Life participating life insurance
Your guide to London Life participating life insurance Value, strength and choice What you ll learn from this guide This guide, combined with professional advice from your financial security advisor, helps
More informationWhole Life Insurance. John Perre Regional Life Sales Manager
Introduction to Whole Life Insurance John Perre Regional Life Sales Manager Agenda Introduction to Equitable Life Stock company VS a mutual company Benefits of dealing with a Mutual Company Introduction
More informationyour guide to equation gen IV
your guide to EQUATION GENERATION IV equation gen IV CLIENT GUIDE ABOUT EQUITABLE LIFE OF CANADA Equitable Life is the largest federally regulated mutual life insurance company in Canada. For generations
More informationHome Certainty Policy Specs
Home Certainty Home Certainty Policy Specs Simplified issue / Non-Med Term Life Insurance 15, 20, 25 & 30 year term periods to choose from Premiums are guaranteed for the full term period Available with
More informationSun Critical Illness Insurance
Sun Critical Illness Insurance PRODUCT FEATURE SHEET CRITICAL ILLNESS INSURANCE gives you a lump sum payment if you are diagnosed with and survive an illness covered by your plan. Having this extra measure
More informationSimplified Issue Term
American-Amicable Life Insurance Company of Texas IA American Life Insurance Company Occidental Life Insurance Company of North Carolina Pioneer American Insurance Company Pioneer Security Life Insurance
More informationForesters Advantage Plus Producer Guide
Foresters Advantage Plus Producer Guide Whole Life Insurance This guide is for information purposes only and is intended to answer your questions and provide ideas to help you sell Foresters Advantage
More informationOPTIMAX. PRODUCT GUIDE Permanent Participating Life Insurance The future begins today FOR ADVISOR USE ONLY
OPTIMAX PRODUCT GUIDE Permanent Participating Life Insurance The future begins today FOR ADVISOR USE ONLY HIGHLIGHTS Premium Options Optimax 100 Optimax 20 Pay Coverage Options Single Joint First or Second
More informationOptional Group Critical Illness. Financial support at a critical time
Optional Group Critical Illness Financial support at a critical time Medical advances have greatly increased the ability of Canadians to survive a critical illness. However, few of us are prepared for
More informationParticipating life insurance
Participating life insurance Wealth Achiever Estate Achiever advisor guide Stability, accountability & strength What s new May 2011 New riders for Wealth Achiever and Estate Achiever max 20 Simply Preferred
More informationPriority Protection. Product Disclosure Statement Version 15, Date Prepared 21 November 2015. Life s better with the right partner
Priority Get a 12.5% initial discount on eligible lump sum AIA Australia policies with Turn to the back to find out about AIA Vitality, our health and wellness rewards program. Product Disclosure Statement
More informationForesters Lifefirst Producer Guide
Foresters Lifefirst Producer Guide Level Term Life Insurance This guide is intended to answer your questions, provide ideas to help you sell Foresters Lifefirst Level Term Insurance and is for information
More informationBENEFIT & RIDER ADDITIONAL SUMMARY
ADDITIONAL BENEFIT & RIDER SUMMARY Benefits Discussed AD&D Child CI Rider Child Life Rider Guaranteed Insurability Payor Death & Disability Waiver of Planned Premium Waiver of Premium Summary Of Additional
More informationCritical Illness Protection. Introducing our new standalone CI product AUGUST 2014
Critical Illness Protection Introducing our new standalone CI product AUGUST 2014 Critical Illness Protection A BROADER SPECTRUM OF COVERAGE 2 What we ll cover 1 The new kid in town Critical Illness Protection
More informationGroup Mortgage Loan Insurance
Group Mortgage Loan Insurance Protecting your investment... Life and Critical Illness coverage up to $1,000,000 Disability coverage up to $3,500 Single, joint and multi-applicant rates available Full or
More informationFlexible Mortgage Protection
10 % Flexible Mortgage Protection with Life Insurance Product issued by Life Insurance Company of the Southwest 62686 MK2272(1112) TC6896(0612) Protect your home, family and income all in one policy A
More informationQoL Performer Plus SM. Life Insurance + Optionality = Opportunities that Can Last a Lifetime!
QoL Performer Plus SM Life Insurance + Optionality = Opportunities that Can Last a Lifetime! This is what happens when you think about life insurance differently. You create powerful, permanent life insurance
More informationThe services I provide my clients
The services I provide my clients FOUR CORNERSTONES OF FINANCIAL SECURITY Liquidity Wealth creation and management Living Benefits Retirement Wealth protection Estate Planning What is a critical illness?
More information20.10 Protection - What is It?
Life insurance 20.10 Protection 20-Year Term, 10-Year Option Term life insurance 20.10 Protection Coverage that gives you double the benefits! A unique product, 20.10 Protection is term life insurance
More informationUNIVERSAL LIFE INSURANCE. Flexible permanent protection
UNIVERSAL LIFE INSURANCE Flexible permanent protection A solution to your financial security needs and goals Universal life insurance from London Life At London Life, we create products to help you meet
More informationDiscover What s Possible
Discover What s Possible Accumulation Builder Choice SM IUL for Business Accumulation Builder Choice SM Indexed Universal Life for Business Owners Building your path to success As a small business owner,
More informationMedGuard Critical Illness Insurance
MedGuard Critical Illness Insurance Exclusively marketed by: TM MedGuard-BR-TX-FLIC-1012 Quality Coverage When You Need It Most Although nobody likes to think about it, the possibility of being diagnosed
More informationWhy CI? Critical Illness Protection from Transamerica for a Broader Spectrum of Coverage
Why CI? Critical Illness Protection from Transamerica for a Broader Spectrum of Coverage What is Critical Illness Protection? Critical Illness Protection is a form of insurance that provides you with a
More informationMortgage Protection and Level Protection Key Features
Mortgage Protection and Level Protection Key Features Lifetime Protection Plan from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
More informationCRITICAL ILLNESS INSURANCE. ExtensiA. The ideal complement to your group insurance
CRITICAL ILLNESS INSURANCE ExtensiA The ideal complement to your group insurance Peace of mind within your reach Today, progress in medicine and breakthroughs in research have significantly extended our
More informationSimply the smart way to do business!
Simply the smart way to do business! INDIVIDUAL LIFE BROCHURE 4600-00A-NOV15 Great reasons why doing business with us is easy! Great Personal Service Our relationship with you is our priority. Great customer
More informationTHE EMPIRE LIFE INSURANCE COMPANY TRILOGY. Policy Summary
Policy Summary This Policy Summary is dated June 1, 2012. When you make a change to your Contract, we will issue a new version of these pages. The Policy Summary with the most recent date replaces any
More informationTerm insurance from Transamerica Life Canada. Every life has a story. CLIENT GUIDE
Term insurance from Transamerica Life Canada Every life has a story. CLIENT GUIDE Do I need term life insurance? Owning adequate life insurance will help protect your family. In the event of your death,
More informationMortgage Insurance. The Canadian Financial Security Program. What To Consider Before You Buy. The Safest Way To Protect One of Life s Biggest Assets
Mortgage Insurance What To Consider Before You Buy The Safest Way To Protect One of Life s Biggest Assets Mortgage Insurance What To Consider Before You Buy Revised Edition - June 2005 Published by True
More informationCritical Illness Insurance. Simplified Second Chance 6 covered illnesses and surgeries
Critical Illness Insurance Simplified Second Chance 6 covered illnesses and surgeries Simplified Second Chance Covers added expenses that come along with a critical illness Being diagnosed with cancer,
More informationSunTerm Client Guide A PRACTICAL GUIDE TO HELPING YOU ACHIEVE A LIFETIME OF FINANCIAL SECURITY. Life s brighter under the sun
SunTerm Client Guide A PRACTICAL GUIDE TO HELPING YOU ACHIEVE A LIFETIME OF FINANCIAL SECURITY Life s brighter under the sun SunTerm can be your first step toward achieving lifetime financial security!
More informationASSUMPTION LIFE PARPLUS. Participating Whole Life Insurance
ASSUMPTION LIFE PARPLUS Participating Whole Life Insurance Features Issue ages Premium payment period Minimum sum insured Maximum sum insured Banding Annual fees Guaranteed cash values Riders Dividend
More informationPlease review the Website Disclaimer for important information about the contents of this page.
Please review the Website Disclaimer for important information about the contents of this page. Accident Accident coverage is designed to help cover the expenses associated with a covered accidental injury.
More informationHow To Pay Out Of Plan For A Life Insurance Policy
Renewable and Convertible Term Rider This Rider forms part of the Policy and is subject to its terms and provisions. Should any provisions of this Rider be inconsistent with any Policy provisions, the
More informationEQUATION GENERATION IV UNIVERSAL LIFE
EQUATION GENERATION IV UNIVERSAL LIFE equation gen IV ADVISOR GUIDE ABOUT EQUITABLE LIFE OF CANADA Equitable Life is one of Canada s largest mutual life insurance companies. For generations we ve provided
More informationEQUIMAX PARTICIPATING WHOLE LIFE
EQUIMAX PARTICIPATING WHOLE LIFE equimax ADVISOR GUIDE YOUR GUIDE TO EQUIMAX 6 ABOUT EQUITABLE LIFE OF CANADA Equitable Life is one of Canada s largest mutual life insurance companies. For generations
More informationCritical Illness Insurance. Simplified Second Chance 6 covered illnesses and surgeries
Critical Illness Insurance Simplified Second Chance 6 covered illnesses and surgeries Simplified Second Chance Covers added expenses that come along with a critical illness Being diagnosed with cancer,
More informationDiscover What s Possible
Discover What s Possible Guaranteed Choice SM Whole Life Guaranteed Choice SM Whole Life for Individuals and Families There is comfort in predictability There s a certain comfort that comes with knowing
More informationAlliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages
Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living
More informationAlliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages
Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living
More informationAlliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages
Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living
More informationLife insurance solutions for. business owners
Life insurance solutions for business owners Life insurance solutions for business owners What s the best life insurance for business owners? It depends on where you see yourself in the future and at which
More informationAlliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages
Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living
More informationTERM INSURANCE. term FOR ADVISOR USE ONLY
TERM INSURANCE FOR ADVISOR USE ONLY ABOUT EQUITABLE LIFE OF CANADA Equitable Life is one of Canada s largest mutual life insurance companies. For generations we ve provided policyholders with sound financial
More informationProtecting Your Family With A Renewable Term Life Insurance Policy
10, 20, AND 30-year renewable term Choice Term Insurance Simple, Practical, and Affordable Protection Choice Term Insurance Protecting your family is one of the most important responsibilities you have.
More informationLifeFund. Life s biggest financial. questions answered. in one LifeFund. Now, go live. A living life plan. Equity Index. Life Insurance Policy M3413
Life s biggest financial questions answered in one LifeFund. Now, go live. Equity Index LifeFund A living life plan. SM M343 Page of 2 Equity Index LifeFund Life insurance for the 2st century. Traditional
More informationSBI Life Insurance Company Limited
(UIN: 111N040V02) SBI Life Sampoorn Suraksha Group Life Insurance Plan Protecting employees, the most critical asset of an organization, is an important business practice. There is an everincreasing need
More informationEquimax Participating Whole Life Insurance. (For Adults) Optional Riders
Equimax Participating Whole Life Insurance (For Adults) Optional Riders Additional Accidental Death Benefit 1 Disability Waiver of Premium Rider. 3 Children s Protection Rider 6 Guaranteed Insurability
More informationParticipating Whole Life Insurance PRODUCT GUIDE 4789-00A-FEB16
Participating Whole Life Insurance PRODUCT GUIDE 4789-00A-FEB16 ASSUMPTION LIFE PARPLUS This document is a summary of the various features of Assumption Life's products. It is neither a contract nor an
More informationEquimax Participating Whole Life Advisor s Guide to Product Administration Rules and Guidelines October 2015
Page 1 of 44 Equimax Participating Whole Life Advisor s Guide to Product Administration Rules and Guidelines October 2015 Prepared by: Individual Life & Health Product Development & Marketing Page 2 of
More informationSecurePlus Provider I N D E X E D U N I V E R S A L L I F E
SecurePlus Provider I N D E X E D U N I V E R S A L L I F E B U Y E R S G U I D E TC27761(0906) Life is a journey. And while there are many unknowns along the way, you can be prepared. Preparations should
More informationAssurant Supplemental Coverage
TEXAS Assurant Supplemental Coverage Plans that pay cash benefits right to you Time Insurance Company Assurant Health is the brand name for products underwritten and issued by Time Insurance Company. Cash
More informationTermSelect. Product Guide. Affordable, Valuable and Adaptable Insurance for Life. FOR ADVISOR USE ONLY
TermSelect TM Product Guide Affordable, Valuable and Adaptable Insurance for Life. FOR ADVISOR USE ONLY Affordable, Valuable and Adaptable Insurance for Life. TermSelect at a glance TerMS 10-year 20-year
More informationLa Capitale Insurance and Financial Services. Julie Sloan Regional Sales Director
La Capitale Insurance and Financial Services Julie Sloan Regional Sales Director Introduction to the Mortgage Market Perspectives and trends in the mortgage market The risk of death and disability for
More informationFor advisor use only Insurance Advisor Guide
For advisor use only Insurance Advisor Guide Term 10 and Term 20 2 RBC Insurance Many people day work hard at leading a healthy lifestyle. RBC Insurance recognizes that fact and offers insurance products
More informationHidden Gems & Quick Issue Term (QIT) Pete Roch CFP, RHU Director, Individual Insurance - Western Ontario 1
Hidden Gems & Quick Issue Term (QIT) Pete Roch CFP, RHU Director, Individual Insurance - Western Ontario 1 Important information We've provided written material with this oral presentation to make it easier
More informationChild LifeAdvance. Critical illness insurance for children
Child LifeAdvance Critical illness insurance for children You may not want to even think about the possibility of your child becoming critically ill, but what if it does happen? Would you want financial
More informationGroup Term Insurance Plan
Group Term Insurance Plan ICICI Prudential Group Term Insurance Plan Are you a conscientious Employer? Have you insured your valuable human assets for a Life Protection cover? Invest in your employees
More informationConsecoLifeOptions SM
Upside potential with downside protection. ConsecoLifeOptions SM indexed universal life insurance Freedom Choices Flexibility Conseco Insurance Company A life and health insurance company CL-LO-CB ConsecoLifeOptions
More informationBasic Plus II. Both Flexible Savings and Life Protection under One Single Policy
Basic Plus II Both Flexible Savings and Life Protection under One Single Policy Basic Plus II ( the product ) gives you the opportunity to earn interest returns while acquiring comprehensive life protection,
More informationDoctors of BC Critical Illness Insurance
Doctors of BC Critical Illness Insurance CI Critical Illness Insurance Have greater control over the impact a serious illness may have on your life. As a doctor, you ve likely witnessed patients trying
More informationSBI Life Insurance Company Limited
(UIN: 111N040V02) SBI Life Sampoorn Suraksha Group Life Insurance Plan (SBI Life) offers SBI Life Sampoorn Suraksha, a feature-rich Group Life Insurance product to cover employersponsored group insurance
More informationLincoln TermAccel Level Term
Lincoln TermAccel Level Term Product Reference Guide Products issued by: The Lincoln National Life Insurance Company For agent or broker use only. Not for use with the public. Table of Contents Lincoln
More informationPurposes of life insurance include providing financial security, funding business continuation and satisfying estate tax requirements among others.
Life Insurance Frequently Asked Questions What is life insurance? Life insurance is a contract between an insurance company and the insurance policy owner(s). The insurance company pays a cash amount or
More informationLiving Benefits. A Key to. Life Insurance 62824 MK2333(0908) TC43323(0908)
Living Benefits A Key to Life Insurance 62824 MK2333(0908) TC43323(0908) Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly, life insurance is used to provide
More informationHOME PROTECTION PLAN MORTGAGE INSURANCE. Mortgage Insurance. that is Custom Built to Meet Your Needs
HOME PROTECTION PLAN MORTGAGE INSURANCE Mortgage Insurance that is Custom Built to Meet Your Needs Mortgage Insurance that is Custom Built to Meet Your Needs Your mortgage insurance should offer you sufficient
More informationSpecial Markets Solutions. Introduction to Group Mortgage Insurance A PARTNER YOU CAN TRUST. Innovative Insurance by Industrial Alliance
Special Markets Solutions Introduction to Group Mortgage Insurance Presented by: A PARTNER YOU CAN TRUST. 1 Innovative Insurance by Industrial Alliance What is creditor insurance? Group Mortgage
More information