Always be there financially for your loved ones.
Your family depends on your income for a comfortable lifestyle and for the resources necessary to make their dreams a reality. Life insurance ensures your family’s future is financially secure if you’re no longer there to provide for them.
[CLIENT] provides Basic Term Life Insurance and offers additional options to give you the ability to assemble a complete Life Insurance portfolio.
Basic Term Life and AD&D Insurance
[CLIENT] provides Basic Term Life and Accidental Death and Dismemberment (AD&D) coverage at no cost to you and enrollment is automatic.
Basic Term Life: This benefit is equal to [NUMBER] times your base annual earnings to a maximum of [$].
Accidental Death & Dismemberment: The benefit is equal to [NUMBER] times your base annual earnings to a maximum of [$].
Supplemental Life and AD&D Insurance
You may also choose to purchase Supplemental Life Insurance coverage in addition to the company-paid benefit. You pay the total cost of this benefit through convenient payroll deductions.
- Employee: [X]
- Spouse: [X]
- Children: [X]
Permanent Life Insurance
Permanent Life Insurance completes your family’s protection, providing a cost-effective benefit for final expenses such as funeral costs, credit card debt, and medical bills. As long as premiums are paid, this policy will not expire, and premiums will not change due to your age. [It also includes optional riders which provide accelerated death benefits for terminal conditions and “living benefits” (care for chronic conditions).]
- Guaranteed Acceptance: No physical exams are required to apply for coverage (although health questions may be asked).
- Family Coverage: You can purchase coverage for yourself, your spouse, your children, [AND/OR YOUR GRANDCHILDREN.]
- Portable Coverage: You can take your policy with you if you leave the company or retire.
- Coverage for Your Needs: Purchase the precise amount of coverage that is right for your needs.
- Policy Builds Cash Value: As the policy builds cash value, you can eventually use it to make premium payments or to pay urgent expenses while you are still alive.
