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PermaLife Guaranteed Premium Whole Life Policy. PermaLife Guaranteed Premium Whole Life Minimum Policy $10,000 Minimum Policy $10,000 Minimum Modal Premium.

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Presentation on theme: "PermaLife Guaranteed Premium Whole Life Policy. PermaLife Guaranteed Premium Whole Life Minimum Policy $10,000 Minimum Policy $10,000 Minimum Modal Premium."— Presentation transcript:

1 PermaLife Guaranteed Premium Whole Life Policy

2 PermaLife Guaranteed Premium Whole Life Minimum Policy $10,000 Minimum Policy $10,000 Minimum Modal Premium $15.00 Minimum Modal Premium $15.00 Issue ages 0-80, age last birthday Issue ages 0-80, age last birthday Conventional Underwriting Conventional Underwriting Issued Standard through Table 2 Issued Standard through Table 2 Can be issued substandard from Table 3 through Table 14 Can be issued substandard from Table 3 through Table 14

3 PermaLife Guaranteed lifetime coverage Guaranteed lifetime coverage Low guaranteed premiums Low guaranteed premiums.8 Annual Modal Factor Year One.8 Annual Modal Factor Year One 1.0 Annual Modal factor Years 2 & thereafter 1.0 Annual Modal factor Years 2 & thereafter Annual commissionable policy fee Annual commissionable policy fee of only $50.00

4 PermaLife PermaLife with it’s unique annual modal factor approach will help you achieve greater persistency by generating more annual premium sales. Your client benefits from a 20% 1 st year discount in premium and you need not be concerned over “charge-backs”. The Annual Modal factor is.8 the first year and 1.0 thereafter.

5 PermaLife Guaranteed non-forfeiture values: Guaranteed non-forfeiture values: Reduced paid up insurance Reduced paid up insurance Extended term for full amount Extended term for full amount

6 Sample rates for $10,000 of coverage Male non tobacco user: Age 40:$ annual* or $ monthly bank draft 50: $ $ : $ $ : $ $ : $ $ : $ $ : $ $ Female non tobacco user: 40: $ $ : $ $ : $ $ : $ $ : $ $ : $ $ : $ $ : $ $ These annual premiums are for year 2 and thereafter.These annual premiums are for year 2 and thereafter. A 20% Modal Factor discount would apply in Year One. A 20% Modal Factor discount would apply in Year One.

7 Sample rates for $100,000 of coverage Male non tobacco user: Age 40:$1, annual or $ monthly BD 50:$ 2, $ :$ 2, $ Female non tobacco user: 40: $ 1,216 $ : $ 1,216 $ : $ 1,915 $ : $ 1,915 $171.39

8 Juvenile Estate Builder $10,000 policy Female Age 0: $ Female Age 0: $ Age 5: $ Age 5: $ Age 10: $ Age 10: $ Age 15: $ Age 15: $ Male Age 0: $ Male Age 0: $ Age 5: $ Age 5: $ Age 10: $ Age 10: $ Age 15: $ Age 15: $ Annual Premium Starting year 2 thereafter

9 PermaLife From The most secured “plan for life” for a young adult The greatest “lifetime gift” for a child or grandchild The ideal final expense product for the “healthy” senior


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