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Empire General
Universal Life policy featuring an aggressive low minimum premium and a competitive impaired risk premium. This product offers a low cost protection with a level death benefit only (Option A). EG Advantage features a 100% death benefit no lapse provision (subject to minimum premium requirements) of 15 years for issue ages 18-80 and 10 year for issue ages 81-85. EG Advantage is ideal for families or businesses needing a low cost permanent product with flexibility, yet have the ability to accumulate value if desired.
Universal Life policy offering flexibility and low cost protection, with emphasis on death benefit. Low target premium makes impaired risk target premiums very competitive. This product is an excellent permanent insurance solution when compared to term insurance due to its level or increasing death benefits, 15 years death benefit guarantee,(subject to minimum premium requirements) and it's benefit riders. This product is specifically designed for competitive "dollar solve" situations. EG Alternative II is ideal for families or businesses needing a low cost permanent product with flexibility, yet have the ability to accumulate value if desired.
Universal Life policy offering mid-range target premiums with emphasis on death benefit and cash accumulations. No load on premium payments allows this to be excellent for use in short pay, lump sum, or other funding goal situations. This product is excellent for long term needs and cash accumulation. Can be used for "loan rescue" by exchanging an existing policy loan as part of a 1035 exchange. Also available in a Cash Value Accumulation Test (CVAT) version as well as Guideline Premium Test.
Universal Life policy offering flexibility in premium and no-lapse protection (subject to minimum premiums). The length of the no-lapse period can continue over lifetime and is determined by the amount of premium paid.
Universal Life joint, last-to-die product has an extremely low minimum premium and is great for impaired risk. Subject to minimum premiums, a 15 year no-lapse guarantee is provided through JEA 80 (10 year JEA 81-85). An uninsurable life is allowed if the other life is table six or less (subject to maximum PEA). Up to table eight on each life (subject to maximum PEA). The flexible features and riders benefits make this product perfect for estate planning and other joint, last-to-die needs. TERM SERIES
EG-10 is a Term to 96 product providing a guaranteed level premium for 10 years. After the initial premium period, premiums increase annually based on the insured's then attained age (nearest birthday). Face amounts: $50,000 - $249,999 (Band 1), $250,000 - $999,999 (Band 2), $1,000,000 and above (Band 3).Issue Ages: 18-85. Policy fee - $80.
EG-15 is a Term to 96 product providing a guaranteed level premium for 15 years. After the initial premium period, premiums increase annually based on the insured's then attained age (nearest birthday). Face amounts: $50,000 - $249,999 (Band 1), $250,000 - $999,999 (Band 2), $1,000,000 and above (Band 3). Issue Ages: 18-77. Policy fee - $80.
EG-20 is a Term to 96 product providing a guaranteed level premium for 20 years. After the initial premium period, premiums increase annually based on the insured's then attained age (nearest birthday). Face amounts: $50,000 - $249,999 (Band 1), $250,000 - $999,999 (Band 2), $1,000,000 and above (Band 3). Issue Ages: 18-68. Policy fee - $80.
EG-30 is a Term to 96 product providing a guaranteed level premium for 30 years. After the initial premium period, premiums increase annually based on the insured's then attained age (nearest birthday). Face amounts: $50,000 - $249,999 (Band 1), $250,000 - $999,999 (Band 2), $1,000,000 and above (Band 3). Issue Ages: 18-56. Policy fee - $80. |
