Title: We Have Just "Simplified the Issue"
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;)
A Program specifically
designed as an institutional purchase of individual life insurance
for executives, professionals, physicians and highly compensated individuals
- via a unique issuance format and pricing schematic otherwise unavailable.
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Current Group Plan Issues
- Institutions want to provide their executives with an enhanced
life insurance benefit - a program with attributes more comprehensive
than traditional group term life insurance.
- The preferred type of coverage is individual term life insurance,
pure death benefit - not life insurance that creates cash values,
or requires prospectus.
- The plan must also be comparatively free of medical and financial
justification
- Long-term price guarantees to promote price stability.
Administration must be made easy.
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Other Employees
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Covered Group |
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New lower cost; stable rate going
forward.
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- Guaranteed - Rate schedules are
guaranteed for up to 15 years at
most issue ages.
- Guaranteed - No automatic benefit
reductions.
- Guaranteed - "Portability" unfettered
- Guaranteed - Paid policies cannot
be canceled by insured
- Guaranteed - Past experience
does not affect pricing.
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| FEATURES |
- Up to $3,000,000 per life, most ages, minimum $50,000
(Subject to issue age and case size restrictions).
- Premium schedule guarantee:
Ages 25-50 (15 yrs) Age 51-59 (to age 65) Age 60-75 (5 yrs)
- Issuance - minimum 25 covered lives; contingent upon actively
at work status, completion of application, and insured approval
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