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Term Life Insurance by Top
Rated Companies
More term companies
equals the best opportunity to obtain the lowest term quote!
Offering the Largest Selection of
Top-Rated Companies Instantly!
Why is this important?
Personalized
Tele-Application for All Companies, Right Over the
Phone!
For the serious shopper who would like a seasoned
professional to assist them-
"how term life insurance
works", "return of premium term life insurance",
"no exam term life insurance" and "what is term life
insurance" will be explained on this page.
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Genworth Financial
Return Of Premium
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Term Life America
Insurance is proud to offer
Genworth Financial. Solid resources backed by a combination of
innovative products and service beyond expectations.
For Policy Owner Service
1-888-436-9678
For New Business Quotes 1-888-587-8511
Genworth Financial products, available in all states except New York
with variation available in Maryland.
Introducing VantagePointSM
Term Life Insurance With Return of Premium
Effective October 25,
2005, Genworth
Financials' industry-leading term life insurance portfolio shines
with a new light with term life insurance coverage that builds
cash values and returns all available premium at the end of the
initially selected 15-, 20- or 30-year guaranteed level premium period.
Genworth Financial return of premium
term life insurance pdf
overview
Genworth Financial return of premium term life insurance offers competitive premiums
plus cash value build-up.
VantagePointSM term life insurance
provides features not seen in other return of premium products:
What Others Don't Have:
- Policy Loans -
Policy begins accumulating cash surrender values after the fourth
year which are then available for policy loans (including automatic
premium loans).
- Enhanced Cash Value
Rider - The Enhanced Cash Value Rider offers accelerated cash
surrender value accumulation for a slightly higher premium than the
Cash Value Rider.
- Return of Premium -
Tax-free return of premium includes table ratings (flat extras
excluded).
And There Is More
VANTAGEPOINTSM
TERM LIFE INSURANCE with Return of Premium and Disability Income
Riders
VantagePoint is term life insurance for 15, 20 or 30
years. After that time, policies have indeterminate premiums with
annual increases through age 94. Benefits stop at the policy
anniversary date nearest the insured’s age 95. Applicants must
choose a Cash Value Rider or the
Disability Income Rider or both. Waiver of Premium
Rider is not available if Disability Income is chosen. Policies with
a return of premium feature usually cost more than policies without
this feature.
Return of Premium Feature
• Returns all premiums including rider premiums at
the end of the 15-, 20-, or 30-year level premium period, if the
insured is living.
• Does not return flat extra premiums and any loan
balance.
• Enables the policy owner to take policy loans,
including, if elected when policy is issued,
automatic premium loans.
• Policy loans accrue interest at 8% each year. If
the outstanding policy loan balance becomes larger than the rider
cash value, the policy will terminate and a taxable event may occur.
• Enhanced Cash Value Rider provides larger cash
values than the Basic Rider for a higher cost.
Also:
Premium Bands
$100,000 -
$249,999, $250,000 - $499,999, $500,000 and above
Premium Payment Frequency (Mode)
Premiums may be
paid annually, semi-annually, quarterly, or monthly (electronic
funds transfer only).
- 15-, 20- and 30-year
guarantee level premium periods.
Simplified
underwriting application process for younger clients. No blood
required for applicants age 18-40 applying for up to $499,999
coverage and clients age 41-44 applying for up to $249,999 coverage.
Related:
Genworth
Financial Term Products
Genworth
Financial Return Of Premium Term Life Insurance
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