Term – Universal – Variable
We are independent brokers; because
of this we have no obligation to any life insurance company. We
represent our client's interest only. There are currently over 1,700 companies
writing life insurance business and each company may write from 30 to 40 different
plans at any age. Our role is stay abreast of the top companies
and their products. We measure these companies and apply their
products to our clients needs.
Ultra Term ROP (Return of Premium)
ROP Term Life Insurance provides solid term life protection for your family AND, if you outlive the policy term, get all your money back when the term is up.¹ No questions asked, no paperwork, and no hassle.
Coverage Continuity: Should you ever stop making premium payments, your policy will (depending on its cash value) automatically convert to a paid-up coverage with a reduced benefit.²
1) The Cumulative premium paid on the policy during the level term period (15, 20 or 30 years), not including and substandard rider changes, will be paid to you at the end of the level term period if the policy is then in force. The premium returned does not take into account any time value of money. Beginning the sixth (6th) policy year, a portion of the cumulative premiums will be returned if you choose to surrender the policy.
2) The amount of paid-up life insurance is based on how much the cash value will buy when applied as a net single premium at the insured's age on the date of the default. The company reserves the right to pay the cash value to the owner and terminate the policy if the cash value is less than $1,000.
Critical Care Plus
Critical Care Plus insurance, offered by AIG, is a critical illness policy that provides a lump sum benefit should the insured incur a covered critical illness while the policy is in force. Benefit amounts from $10,000 to $500,000¹, and up to $50 per year health screening benefit.
• Kidney (renal) Failure
• Heart Attack
• Severe Burns
• Major Organ Transplant
• Loss of Sight, Speech or Hearing
• Loss of Independent Living
• Coronary Artery Bypass Graft (25%, up to a maximum of $50,000,
one time benefit)
• Paralysis (100% for quadriplegia or 50% for paraplegia or hemiplegia)
• Carcinoma in situ (25% up to $25,000)
1) $25,000 minimum in Texas, $250,000 maximum in Georgia