WHOLE LIFE PRODUCTS

AMERICO

 Eagle Premier – (Whole Life)

 

  • Ages 50-85 applicable
  • Face Amount: $2,000 – $30,000
  • Level premium, level benefits
  • Accelerated Benefit Included- chronic & terminal illness
  • E-App ONLY
  • Accidental Death Benefit Included (no additional cost) – double indemnity & triple indemnity (for death in a common carrier)

 

Example : $10,000 face amount, $30,000 death benefit 

 

  • Common carrier – triple indemnity – death occurs while a fare paying passenger (plane, bus, taxi, uber)

 

Example : $10,000 face amount, $20,000 death benefit

 

  • Accidental death- double indemnity– death occurs in car accident or other accident type

 

Eagle Premier Agent Guide (pdf)

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MUTUAL OF OMAHA

Living Promise Level –  Whole Life – Immediate Coverage

 

  • Ages 45-85 applicable
  • Face Amount: $2,000 – $40,000
  • Level Premium, Level Benefits
  • Accidental – double indemnity (optional, additional cost)

 

Living Promise Graded – Whole Life – 2 Year Waiting

 

  • Ages 45-80 applicable
  • Face Amount: $2,000 – $20,000
  • 2 Year waiting period for full death benefit
  • If death occurs within first 2 years a refund of all premium paid into policy + 10% interest

 

Living Promise Agent Guide (pdf)

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American Amicable

Senior Choice Whole Life

Immediate Benefit:

 

  • 50-80 Years of Age Applicable
  • Face Amount: $2,500 – $35,000
  • Level Premium, Level Benefits
  • Day one coverage

 

Graded Benefit:

 

  • 50-80 Years of Age Applicable
  • Face Amount: $2,500 – $20,000
  • Level Premium
  • If death in first year – 30% of face amount payable
  • If death in second year – 70% of face amount payable
  • Death occurs after 3rd year – full amount payable

 

ROP Plan:(Return of Premium)

 

  • Applicable if below 65 years of age
  • Face Amount: $2,500 – $20,000
  • Level Premium
  • 3 year waiting period – If death occurs in first 3 years – full refund of premium + 10% on premium / After 3 years – full benefit payable

 

Over 65 Years of Age:

 

  • 2 year waiting period – if death occurs in first 2 years – full refund of premium + 10% on premium
  • After 2 years – full benefit payable

 

AmAm Senior Choice Agent Guide (pdf)

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prosperity life

Prosperity – New Vista  

Immediate Plan

 

  • 50-80 Years of Age Applicable
  • Face Amount: $1,500-$35,000
  • Level Premium, Level Benefits

 

Graded Plan

 

  • 50-80 Years of Age Applicable
  • Face Amount: $1,500-$35,000
  • Level Premium
  • If death occurs in the first year : 30% of the face amount will be paid out
  • If death occurs in second year : 70% of the face amount will be paid out
  • After the third year : 100% will be paid out

 

Modified

 

  • 50-85 Years of Age Applicable
  • Face Amount: $1,500-$35,000
  • Level Premium
  • If death occurs in first year : 110% of the premium will be refunded
  • If death occurs in second year : 231% of the premium will be refunded
  • After the 2nd year : The full face amount will be paid out

 

ProsperityLife.NewVista (pdf)

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AIG

AIG – Guaranteed Issued Whole Life

 

  • 50-85 Years of Age Applicable
  • Face Amount: $5,000 – $25,000
  • Level Premium
  • 2 year waiting period – if death occurs in first 2 yrs full refund of premium + 10% interest
  • After 2 years – full benefit payable

 

AIG GIWL (pdf)

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TERM LIFE PRODUCTS

AMERICO

Americo Term – Home Mortgage Series – HMS CBO (Cash Back Option)

Term: 15 Years:

 

  • 20-55 Years of Age Applicable
  • Face Amount: ?
  • Includes – 50% of the face amount – accidental death
  • Includes – Living Benefits
    • Chronic – Critical – Terminal illness
  • Access up 100% of face amount for bills

 

Term 20 Years:

 

  • 20-60 Years of Age Applicable
  • Face Amount: $25,000-$400,000
  • Includes – 50% of the face amount – accidental death
  • Includes – Living Benefits
    • Chronic – Critical – Terminal illness
  • Access up 100% of face amount for bills

 

Term 25 Years:

 

  • 20-55 Years of Age Applicable
  • Face Amount: ?
  • Includes – 50% of the face amount – accidental death
  • Includes – Living Benefits
    • Chronic – Critical – Terminal illness
  • Access up 100% of face amount for bills

 

Term 30 Years:

 

  • 20-55 Years of Age Applicable
  • Face Amount: ?
  • Includes – 50% of the face amount – accidental death
  • Includes – Living Benefits
    • Chronic – Critical – Terminal illness
  • Access up 100% of face amount for bills

 

CBO = Return of Premium 

            Example : 25 yr term – $100 / mo – $100,000 

            $100 x 12 months = $1,200 Annual Premium

            $1,200 x 25yrs = $30,000 Tax free return of premium paid

Americo – HMS 125

Term 15 Years:

 

  • 20-75 Years of Age Applicable
  • Face Amount: $25,000 – $400,000
  • No Cash Back Option
  • Includes 25% accidental rider
  • Living benefits

 

Term 20 Years:

 

  • 20-70 Years of Age Applicable
  • Face Amount: $25,000 – $400,000
  • No Cash Back Option
  • Includes 25% accidental rider
  • Living benefits

 

Term 25 Years:

 

  • 20-65 Years of Age Applicable
  • Face Amount: $25,000 – $400,000
  • No Cash Back Option
  • Includes 25% accidental rider
  • Living benefits

 

Term 30 Years:

 

  • 20-65 Years of Age Applicable
  • Face Amount: $25,000 – $400,000
  • No Cash Back Option
  • Includes 25% accidental rider
  • Living benefits

 

HMS (pdf)

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mutual of omaha

Mutual of Omaha – Term Life Express

Term 10 Years:

 

  • 18-70 Years of Age Applicable
  • Face Amounts: $25,000-$300,000
    • 18-50 Years of Age = Face Amount: $25,000-$300,000
    • 51-60 Years of Age = Face Amount: $25,000-$250,000
    • 61-70 Years of Age = Face Amount: $25,000-$150,000
  • Accidental Rider if Selected
  • Cash Back OR Living Benefits

 

Term 15 Years:

 

  • 18-70 Years of Age Applicable
  • Face Amounts: $25,000-$300,000
    • 18-50 Years of Age = Face Amount: $25,000-$300,000
    • 51-60 Years of Age = Face Amount: $25,000-$250,000
    • 61-70 Years of Age = Face Amount: $25,000-$150,000
  • Accidental Rider if Selected
  • Cash Back OR Living Benefits

 

Term 20 Years:

 

  • 18-60 Years of Age Applicable
  • Face Amounts: $25,000-$300,000
    • 18-50 Years of Age = Face Amount: $25,000-$300,000
    • 51-60 Years of Age = Face Amount: $25,000-$250,000
  • Accidental Rider if Selected
  • Cash Back OR Living Benefits

 

Term 30 Years:

 

  • 18-50 Years of Age Applicable
  • Face Amount: $25,000-$300,000
  • Accidental Rider if Selected
  • Cash Back ONLY (Return of Premium)

 

Term Life Express (pdf)

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Term Life Express Quick Guide (pdf)

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american amicable

American Amicable – Home Protector 

Term 15 Years:

 

  • 20-65 Years of Age Applicable
  • Face Amount: $25,000-$300,000
  • Cash back option – 75% of premium refunded
  • Accidental rider if selected

 

Term 20 Years:

 

  • 20-60 Years of Age Applicable
  • Face Amount: $25,000-$300,000
  • Cash back option – 75% of premium refunded
  • Accidental rider if selected

 

Term 25 Years:

 

  • 20-55 Years of Age Applicable
  • Face Amount: $25,000-$300,000
  • Cash back option – 75% of premium refunded
  • Accidental rider if selected

 

Term 30 Years:

 

  • 20-50 Years of Age Applicable
  • Face Amount: $25,000-$300,000
  • Cash back option – 75% of premium refunded
  • Accidental rider if selected

 

AmAm Home Protector (pdf)

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john hancock

John Hancock – Vitality Program

Term 10 Year:

 

  • 20-60 Years of Age Applicable
  • Face Amount: $25,000 – $500,000
  • Level Term
  • Return of premium rider (optional) – will only receive 75% of premium put in

 

Term 15 Year:

 

  • 20-60 Years of Age Applicable
  • Face Amount: $25,000 – $500,000
  • Level Term
  • Return of premium rider (optional) – will only receive 75% of premium put in

 

Term 20 Year:

 

  • 20-55 Years of Age Applicable
  • Face Amount: $25,000 – $500,000
  • Level Term
  • Return of premium rider (optional) – will only receive 75% of premium put in

 

Term 25 Year:

 

  • 20-50 Years of Age Applicable
  • Face Amount: $25,000 – $500,000
  • Level Term
  • Return of premium rider (optional) – will only receive 75% of premium put in

 

Term 30 Year:

 

  • 20-45 Years of Age Applicable
  • Face Amount: $25,000 – $500,000
  • Level Term
  • Return of premium rider (optional) – will only receive 75% of premium put in

 

John Hancock Vitality (pdf)

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