TERM INSURANCE
Term insurance is the most straightforward form of protection. You generally pay
premiums on a monthly or annual basis and your family is protected for that
"term". We offer a variety of term products to fit your needs, time frame, and
budget.
Features:
Help provide for a family's loss of income. Cover short- term debts and needs.
Provide additional insurance protection during the child raising years. Provide
longer term protection to help pay off a mortgage, or to help pay for a college
education.
Select Term
Select 10, 20 or 30 years of coverage and a guaranteed benefit. The affordable
premiums are level for the initial policy term. The policy is guaranteed to renew up
to age 95. Once past the level premium period, premiums will increase annually.
Features:
Guaranteed renewable to age 95. Coverage starting at $100,000 Convertible to a
permanent policy regardless of health, subject to age limits as stated in the policy
Return Of Premium
Return of Premium Term offers you coverage with a level premium payment for 20
or 30 years, whichever you choose. If you outlive that premium period, the policy
premiums you've paid will be returned to you. The policy is guaranteed to renew
up to age 95. Once past the level premium period, premiums will increase annually.
Mortgage Life 15 & 30
Mortgage Life 15 & 30 is designed to provide funds for the repayment of a
residential mortgage in event of premature death. After the first 5 years, the death
benefit, which is meant to behave similar to your mortgage, decreases over the
life of the policy. It is sometimes called a "decreasing term" policy.
Whole Life insurance offers level premiums and life insurance protection for as
long as you live, provided that premiums are paid as required to keep the policy in
force. We offer whole life policies that can be paid with a single premium,
premiums payable to 100, or somewhere in between. Whole life policies also
provide for the accumulation of cash value on a tax-deferred basis which can be
used when you need it, to help with life’s opportunities. Policy loans do accrue
interest, and any outstanding policy loans and interest will reduce the death
benefit and cash value.
Typical Uses:
Universal Life
Premiums are paid into your policy's account value (after a premium expense
charge), where it earns interest. Every month, various deductions, such as a
charge for insurance protection, are then made from the account value. You have
the ability to take loans or make withdrawals from the account value for your
personal needs. Loans accrue interest and unpaid loans plus interest and
withdrawals will reduce the death benefit and cash value. The policy continues as
long as the cash value is sufficient to cover the various deductions each month.
Features:
Survivorship Universal Life
Survivorship Universal Life covers two people. The death benefit is paid when the
last person insured under the policy dies. Survivorship Universal Life is an efficient
way to assist with a variety of planning needs.
Features:
Term insurance is the most straightforward form of protection. You generally pay
premiums on a monthly or annual basis and your family is protected for that
"term". We offer a variety of term products to fit your needs, time frame, and
budget.
Features:
Help provide for a family's loss of income. Cover short- term debts and needs.
Provide additional insurance protection during the child raising years. Provide
longer term protection to help pay off a mortgage, or to help pay for a college
education.
Select Term
Select 10, 20 or 30 years of coverage and a guaranteed benefit. The affordable
premiums are level for the initial policy term. The policy is guaranteed to renew up
to age 95. Once past the level premium period, premiums will increase annually.
Features:
Guaranteed renewable to age 95. Coverage starting at $100,000 Convertible to a
permanent policy regardless of health, subject to age limits as stated in the policy
Return Of Premium
Return of Premium Term offers you coverage with a level premium payment for 20
or 30 years, whichever you choose. If you outlive that premium period, the policy
premiums you've paid will be returned to you. The policy is guaranteed to renew
up to age 95. Once past the level premium period, premiums will increase annually.
Mortgage Life 15 & 30
Mortgage Life 15 & 30 is designed to provide funds for the repayment of a
residential mortgage in event of premature death. After the first 5 years, the death
benefit, which is meant to behave similar to your mortgage, decreases over the
life of the policy. It is sometimes called a "decreasing term" policy.
Whole Life insurance offers level premiums and life insurance protection for as
long as you live, provided that premiums are paid as required to keep the policy in
force. We offer whole life policies that can be paid with a single premium,
premiums payable to 100, or somewhere in between. Whole life policies also
provide for the accumulation of cash value on a tax-deferred basis which can be
used when you need it, to help with life’s opportunities. Policy loans do accrue
interest, and any outstanding policy loans and interest will reduce the death
benefit and cash value.
Typical Uses:
- Provides for a family’s loss of income, mortgage costs, and educational needs
- Access to cash value for life’s opportunities
- Leaving a legacy for the next generation
- Level premiums to age 100
- Tax-deferred growth of cash value
- Death benefits generally pass on income tax-free to your beneficiaries.
- Cash values can be accessed during the insured's lifetime.
- Eligible to earn dividends, however, dividends are not guaranteed
Universal Life
Premiums are paid into your policy's account value (after a premium expense
charge), where it earns interest. Every month, various deductions, such as a
charge for insurance protection, are then made from the account value. You have
the ability to take loans or make withdrawals from the account value for your
personal needs. Loans accrue interest and unpaid loans plus interest and
withdrawals will reduce the death benefit and cash value. The policy continues as
long as the cash value is sufficient to cover the various deductions each month.
Features:
- Flexibility - You decide the amount of life insurance and premium payments
subject to policy minimums. - Death benefit - Life insurance proceeds are generally income tax free to the
beneficiary. - The growth in cash value is tax-deferred under current federal income tax law.
- Access to cash value - The cash value can be accessed to help with
education expenses, provide a retirement supplement, or other personal
objectives.
Survivorship Universal Life
Survivorship Universal Life covers two people. The death benefit is paid when the
last person insured under the policy dies. Survivorship Universal Life is an efficient
way to assist with a variety of planning needs.
Features:
- Typically less expensive than two individual Whole Life or Universal Life
policies - Flexibility - You decide the amount of life insurance and premium payments
subject to policy minimums. - Death benefit - Life insurance proceeds are generally income tax free to the
beneficiary. - The growth in cash values is tax-deferred under current federal income tax
law. - Access to cash value - The cash value can be accessed to help with
education expenses, provide a retirement supplement or other personal
objectives
| Your Local Agent for Auto Life Health Business Home Liability Dave Pellicano 772-879-1669 |
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