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8 OUT OF 10 PEOPLE GET CANCER
MAXIMUM OF 500 DAYS OF TREATMENT
CANT HAVE ANY CANCER HISTORY TO QUALIFY FOR CANCER A71
C20 IS A LUMP SUM PAY OUT ON THE DIAGNOSIS OF CANCER
ONLY ONE WILL PAY OUT IF COMBINED
CRITICAL ILLNESS PAY OUT. PAYS OUT LUMP SUM IF CRITICAL ILLNESS OCCURS. EX. HEART ATTACK/STROKE
DONT QUALIFY IF YOU HAVE C20 OR C10 IN EFFECT.
CANT GET IF YOU HAVE MEDICAID, BUT CAN IF YOU HAVE MEDICARE
4YR R&C MINIMUM 100K RENEWS
AGE GOES UP IN TERM. WE DONT LOOK AT ANY HEALTH CHANGES
EXPIRED AT 70 YEARS OLD
GOES UP IN PRICE EVERY 4 YEARS
GAURANTEED CONVERSION, CAN CONVERT TO WHOLE LIFE
CAN CONVERT WHENEVER
SELL 100K 4 YR R&C LAST RESORT
EXPIRED AT 65. 10 YEAR MORE EXPENSIVE BECAUSE YOU HAVE A HIGHER CHANCE OF DYING 10 YEARS VS 4 YEARS.
63 LAST YEAR
20 YEAR FLAT IS NON RENEWABLE BUT CONVERTIBLE. EVERY TERM POLICY IS CONVERTIBLE AT AMERICAN INCOME.
LAST AGE IS 50.
15 YEAR DECREASING TERM- FACE AMOUNT GOES DOWN EVERY YEAR AND PREMIUM STAYS THE SAME.
STRAIGHT WHOLE LIFE.
DEATH BENEFIT, PREMIUM, CASH VALUE ALWAYS GAURANTEED.
4.5% CASH VALUE.....
3 YEARS TO START EARNING CASH VALUE
AT 65 YEARS OLD YOU CAN SACRIFICE YOUR CASH VALUE
SENIOR GRADED WHOLE LIFE SGWL
...........................................................................................................................
4.5% CASH VALUE
25LBS OVER T12 (DONT QUALIFY)
WAY EASIER TO QUALIFY FOR
EVERY CHILD GETS 10,000 PREMIUM IS ALWAYS $6
COVERS CHILD UNTIL THEY'RE 21 YEARS OLD, OR ONCE THEY ARE MARRIED.
THEY ARE ABLE TO TAKE OWNERSHIP OF THE POLICY.
GIO- GAURANTEED INCREASE OPTION
UP TO 175,000 FIRST OP. 25 EVERY 3 YEARS
HEADSTRART 25,000
IF PARENTS WANT MORE THEN 25,000 THEY NEED DOUBLE THE WL COVERAGE AS THE CHILD
...................................................................................................................................................................................................................
WP- WAIVER OF PREMIUM
TIR- TERMINAL ILLNESS RIDER
1/2 OF PAY OUT IF YOU ARE DIAGNOSED WITH 2 YEARS LEFT TO LIVE
JUST WHOLE LIFE
IF YOU GET DISABLED WE WILL PAY YOUR PREMIUM FOR THE REST OF YOUR LIFE.
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