EMPLOYERS - OWNERS- ADMINISTRATIVE PERSONNEL

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If you are the owner, administrator, or HR personnel of a company, our program offers your employees a guaranteed life insurance program. All immediate family members are guaranteed coverage with NO health questions. This is payroll deducted.

During our Open Enrollment Time, we will.....

• Guarantee coverage up to $100,000.00 for your employees. 
• Guarantee coverage on the spouse of your employees
• Guarantee $10,000.00 coverage on the children ages 18 and below.

Guarantee means we will Guarantee the coverage regardless of the health of your employee or their spouses. If they have cancer, heart issues, blood issues, etc., we will guarantee their coverage. You, the administrator of the company, have people who cannot get life insurance because of their health.

EVERYONE HAS AN OPPORTUNITY TO ENROLL BECAUSE WE HAVE A POLICY TO FIT THEIR NEEDS.

ALL EMPLOYEES ages 70 and below are guaranteed a policy.

• Ages 61-70, we will guarantee $25,000.00
• Ages 51-60, we will guarantee $75,000.00
• Ages 18-50, we will guarantee $100,00.00

TYPE ONE POLICY. Your employees can choose a WHOLE LIFE policy that is permanent. The coverage and the price never change, and it has a feature that builds cash over the life of the policy. The policy has more features the longer the employee has the policy.

TYPE TWO POLICY....Your employee can choose a TERM POLICY which is temporary. This coverage is in effect for a period of time. Employees can choose to have coverage for 10 years or 20 years.

TYPE THREE POLICY. If your employee is age 50 and under, they can have a RETURN OF PREMIUM policy. The employee pays for 20 years. At the end of 20 years, he/she gets 80% of the base premiums returned to them. But, if they need insurance instead of money, they use these funds to purchase a policy 2-3 times the value of the money. The new policy is good until age 99.

PLUS, all these policies can be customized to include Accidental Death Benefit, Disability Waiver of Premium and Accelerated Benefit Rider.

SPOUSE COVERAGE GUARANTEED. Ages 60 and under are guaranteed coverage. If an employee participates, we will guarantee the spouse a policy for $25,000.00. If an employee does not participate, we will guarantee a policy for $15,000.00. Ages 61-70 is simplified issue.

 CHILDRENS' COVERAGE GUARANTEED. We will guarantee each child 18 year of age and under can have $10,000.00 coverage for only $4.33 a month per family. Example: If they have 5 children, each child is covered for $10,000.00 for only $4.33 a month. When a child reaches age 25, we will guarantee that child a policy for $50,000.00.

GRANDCHILDREN COVERAGE. Many times, in time of need, the grandparent needs to help with final expenses. The parent is busy with soccer games, band, etc., and has never thought of providing coverage for their children. The grandparent can apply for a low cost coverage on their grandchild...i.e...a $10,000.00 policy for less than $10 a month.

THE COVERAGE IS PORTABLE. When they leave your employment, they can take the insurance with them at the same price. No penalties. No rate increases.

WHY OFFER YOUR EMPLOYEES THIS COVERAGE?

1. The insurance is guaranteed. There are no physicals, no doctor appointments, and no health questions asked...ever. Enrollment is easy.
2. Many times, employees are maxed out with their insurance programs, or they have bad health. For whatever reason, they cannot get additional coverage. You give them a chance to have more. 
3. You provide them the opportunity to have life insurance. They choose their amounts and Premiums.