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.
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.
Group Term Carve Out Advantages
Group Term Life
Other Employees
Group Term Carve Out
Covered Group
* New lower cost; stable rate going
forward.
* 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.
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
Call or e-mail us today!
800-550-2666x117
Please fill out the form below for more information
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