VIP Policy Series
 

Value- Daily Indemnity Policy

                            Ideal- Monthly Reimbursement Policy

                                                                  Premier- Cash Benefit Policy

l     Issue Ages 18 thru 84 

l     Daily Benefit up to $400

l     Discounts-

-20% Spousal (both must apply & be approved)

-10% Marital (both do not have to apply)

-10% Residential (2 or more people living together & are approved)

-15% Preferred Health

               Maximum Discounts

                    -30% Spousal and Preferred

                    -20% Marital/Residential and Preferred

l     Payment Options-

-10 Pay (paid up after 10 years)

-Pay to 65 (paid up at age 65)(minimum 10 years)

-Reduced Pay at 65 (higher premium to 65, lower premium at 65)    

l     International Coverage-

-pays 50% of Home Care Daily Benefit for a maximum of 10 years

l     Optional Return of Premium-

-Returns all premiums at death minus any benefits paid in the form of claims (must be in force for a minimum of 10 years).

l     Optional Shared Care-

-Allows one spouse to “dip into” the policy of the other spouse if needed.  Not available with 2 year or unlimited benefit period.

l     Simplified Issue Program-

-Allows for issuance of a policy by answering 5 medical questions.  

       Call Cargo & Williams for complete details.