万能人寿pp王者电子官网提供了灵活性
If seeking a flexible way to help protect your loved ones and build tax-deferred cash value, 你可能需要一份万能人寿pp王者电子官网. While this flexible permanent protection is ideal for those potentially seeking to adjust coverage and premiums to meet changing needs,1 it can be structured as a Survivorship or 联合 policy. 州立农场生活® pp王者电子官网公司(未在麻萨诸塞州持牌, NY or WI) or 州立农场生活 and Accident Assurance Company (licensed in NY and WI) can help.
万能人寿pp王者电子官网的典型用途
- 帮助s provide for a family's loss of income, mortgage 成本, and educational needs
- Access to cash value (“living benefits”) for life's opportunities
- 房地产，特殊需求和商业规划
需要帮助选择保单?
| 产品 | 特性 | 保费1 |
|---|---|---|
| 普遍的生活 |
特性灵活更改pp王者电子官网金额和保费. |
保费1Minimum funding requirements must be met in order for the policy to remain in force and retain its flexibility. |
| 遗属万能寿险 |
特性在第二配偶死亡时支付抚恤金. Typically used by couples with large estates to pay estate taxes, 或者留下遗产或慈善礼物. |
保费1Flexible premiums which are generally lower than the premiums for a separate whole life or universal life policy. |
| 联合 普遍的生活 |
特性用一份保单保障两个人的生命. Typically more affordable than two permanent policies. Pays benefits at the death of the first insured to help cover the survivor’s expenses. Also used by business owners to fund buy-sell agreements. |
保费1Flexible premiums which are generally lower than the premiums for two separate policies. |
pg电子官方网页版
可选的pp王者电子官网
可提供额外的费用
灵活的护理福利
把这个附加条款加到你的万能人寿pp王者电子官网里 policy benefits you by providing money to meet long-term care expenses 如果你惹了他们. 然而，如果你不使用这个骑手，死亡 benefit provided by your life insurance policy will be t在这里 for your 受益人.
Learn more about Flexible Care Benefit Rider availability in your state
(不适用于MA, NY或RI)
家庭pp王者电子官网
Term life insurance on your spouse and children can be included on your base coverage by purchasing separate term riders, subject to 可pp王者电子官网性. The additional level term rider may not be available in 所有国家.
残疾每月扣除豁免书
The cost of life insurance, optional coverages and the monthly expense charge can be waived during certain periods of total disability as defined in the policy and lasting six continuous months.
保证pp王者电子官网选项
You are guaranteed the right to increase your life insurance coverage by the amount of the rider on specific option dates without evidence 可pp王者电子官网性的. 放弃每月残疾扣除额 benefit must be present in order to add this coverage. 当你结婚的时候 or become a parent, you may exercise the next available option.
想了解更多关于人寿pp王者电子官网的知识?
1 Coverage will expire when either no premiums are paid following the initial premium or subsequent premiums are insufficient to continue coverage
2 Increases in coverage are subject to underwriting and policy limits. 承保范围的减少受政策限制.
3 Permanent life insurance develops cash value that can be borrowed. Policy loans accrue interest and unpaid policy loans and interest will reduce the death benefit and cash value of the policy. The amount of cash value available will generally depend on the type of permanent policy purchased, 购买的pp王者电子官网金额, the length of time the policy has been in force and any outstanding policy loans. T在这里 may be tax consequences associated with policy loans.
4 遗属万能寿险 is the marketing name for Flexible Premium 联合 and Last to Die Survivorship Adjustable 人寿pp王者电子官网.
披露的信息
这是对pp王者电子官网范围的一般描述. 这是对pp王者电子官网范围的一般描述. A complete statement of coverage is found only in the policy.
欲知更多报导详情, 成本, 限制, 和提高, 或者申请pp王者电子官网, 联系当地居民 州立农场代理.
pp王者电子官网 policies and/or associated riders and features may not be available in 所有国家, 政策条款和条件可能因州而异.
证券不受FDICpp王者电子官网, are not bank guaranteed and are subject to investment risk, 包括可能的本金损失.
Each 状态 Farm insurer has sole financial responsibility for its own products.
州立农场生活 pp王者电子官网 Company (Not licensed in MA, NY, or WI)
州立农场生活 and Accident Assurance Company (Licensed in NY and WI) Bloomington, IL
IL–12.17