Life Insurance

Term Life Insurance with “Living Benefits” or “Return of Premium”

A term life insurance provides coverage at a fixed rate of payments for a limited period of time, the relevant term. Term life insurance can be converted to permanent life insurance.

The life insurance benefit can help:

• Pay for your medical bills
• Pay for your children’s tuition
• Pay for your car loan and mortgage
• Cover all family expenses

Ensure that your family won’t have to sell assets to pay outstanding bills or taxes

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There are two types of term life insurance which are the most popular product:

1. Term life insurance with living benefits rider:

Traditional term life insurance is designed to provide security for your loved ones in the event of your premature death for a limited period of time. But what if you have a serious heart attack, invasive cancer or a stroke and don’t die? What about financial support during critical or long-term chronic illnesses?
The term life insurance with living benefits allows you to accelerate some or all of your base life insurance benefit in the event that you are diagnosed with a critical, chronic, and terminal illness.

Example

• Years of Coverage 10 years
• Coverage Amount: $100,000 & $250,000
• Health Class: Preferred Plus Non-Tobacco (best rate)

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2. Term Life Insurance with Return of Premium Rider:

Another kind of term life insurance coverage is called return of the premiums, which means the owner or insured pays the premium during the policy term and the insurance company will return a majority of the paid premiums if the insured person outlives the policy term. Protect your family while saving money for your retirement,  and allow you to get your premiums back at the end of the term year.

EXAMPLE (ROP)

Years of Coverage 30 years
Coverage Amount: $100,000 & $250,000
Health Class: Preferred Plus Non-Tobacco (best rate)

Multi-Protection Life Insurance Plan

Our financial needs change throughout life. Young families may purchase Term Life insurance to cover temporary needs like a mortgage or college education. As we get older, things change. Kids grow up. Mortgages get paid off. Planning for retirement becomes a reality. Multi-Protection Life Insurance Plan is the best option. This is a unique insurance that combines multiple benefits into one policy. It offers guaranteed life insurance protection at an affordable stable premium. The younger you are the lower premium and more coverage you can get. You have protection against dying too soon and also against outliving your income. Now, you can even choose this plan with no physical exam.

This single policy offers multi-protection for the following:

• Accelerated Benefit Rider for Critical, Chronic or Terminal Illness
• Life Insurance protection up to age 121
• Supplemental Retirement Income, Disability Income and Accidental Death Benefit Rider
  Multi-Protection Life Insurance (guaranteed to age 100)

Life Insurance With NO Physical Exam Needed

There is a type of life insurance that does not require physical exam.

If you smoke, or have some medical issues, this type of life insurance should be your first choice.

Advantages:

• Low Monthly Premium
• NO Physical Exam Required

Life Insurance for Foreign Nationals

When you come to the United States as a foreign national, your physical and economic ties to the United States can create unique financial problems. Sometimes life insurance policies can solve some of those problems. If you fit the requirements, you may be eligible to purchase domestic U.S. based life insurance products on both a permanent and term basis.

Advantages:

• The life insurance policies are denominated in U.S. dollars and where distributions are currently exempt from U.S. tax withholdings on gains in the policy.
• Life insurance policies are specifically excluded from federal estate taxes.