FOR MIDDLE AMERICA
One Product, Multiple Solutions
Living benefits, tax deferred cash value accumulation, permanent policy, up-side market potential and down-side market protection, flexible death benefit and flexible premium.
Permanent protection/Death benefit up to your 100- 120th -year Birthday. Product can be designed to replace your future potential income, pay-off your mortgage balance, settle a debt or create cash for legacy. The other benefit is that you will be able to accumulate Tax-Deferred cash value in your policy to supplement future financial goals such as Retirement income, support children’s higher education, create a capital for a business, advance payment for a house, remodel or renovate your house or use cash value for vacation. The policy will guarantee you to match the Indexes market gain ( S&P 500 or NASDAQ 100)as interest to your cash value with a cap or un-caped (Example: maximum gain of 12%) It will also provide you “Down-Side Protection.(Example: if the Indexes has a negative growth, you will not lose money in your cash value account) if you’re critically, chronically or terminally ill, you will have access to a portion of the DEATH BENEFIT, A qualified health event.
FEATURES – Term life insurance provides a death benefit cover for a pre-determined amount of time typically, 10, 15, 20, 30 years. You may add living benefits to access the death benefit too.
BENEFITS – Term life insurance product can be designed to replace your future potential income, pay-off your mortgage balance to leave behind a debt free house to your loved ones, cash for children’s education, settle a debt, LEGACY, donation for charity, such as church etc.
WE RECOMMEND TO HAVE A POLICY IN PLACE TO COVER AT LEAST 10 TIMES OF YOUR FUTURE ANNUAL INCOME. Example: Annual Income $80,000 X 10 = 800,000
(Average premium for a 35-year-old male for a 30 years coverage is around $50 per month)
Talk to us and we will design you the right plan for FREE!
Is Social Security an Annuity?
The answer is yes. Your Social Security Annuity is a guaranteed lifetime income stream backed by the full faith and credit of the U.S. Government. In essence, it is a government issued annuity. The best inflation annuity on the planet.
An annuity allows a customer to deposit money (premiums) with an insurance company that can earn interest and grow on a tax-deferred basis with the agreement that the insurance company will then provide a series of payments back to the customer at regular intervals.
People typically purchase annuities to provide or supplement retirement income they will receive from Social Security, pension benefits, investments and other sources. You can convert your annuity into a stream of income that can then be paid over a fixed period or for your lifetime. You can take withdrawals of varying amounts when you need the income.
These are permanent life insurance products with cash value components. Optional riders are available to design the plan according to your financial goals.
Living benefits can also be added allowing you to access a portion of your death benefit during qualifying health events.