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Many of your clients are looking for life insurance that allows their families to continue on at their current standard of living in case of their death, but this standard is continually changing due to different stages in life.

American Fidelity* has two products that address this situation:

Alternative 95. This plan is a participating decreasing term life insurance policy with Guaranteed Level Premiums to age 95. The policy earns dividends, which are designed to purchase one-year term insurance each year. Although no insurance company can guarantee dividends, using the current dividend schedule to purchase one-year term insurance each year results in a Level Death Benefit to 95.

 

Highlights of Alternative 95:

  • Guaranteed level premiums to age 95
  • Participating policy with dividends
  • Affordable long term coverage
  • Convertible to age 70
  • Return of Premium Rider
Ultimate 95. This is an innovative plan that combines decreasing term life insurance with a pure endowment rider. The pure endowment rider, "Levelizer" is designed to purchase term coverage each year for the amount of decrease there is in the base plan. This guarantees a Level Death Benefit to age 95. This policy is guaranteed to pay the initial Death Benefit if the client is alive at age 95.

Highlights of Ultimate 95:

  • Designed to provide level guaranteed death benefit to age 95
  • Current premium with guaranteed maximum premium schedule
  • Affordable long term coverage
  • Accelerated benefit rider with nursing home benefit option
    "included at no cost"

*American Fidelity is rated "A+" by A.M. Best Company, "A" by Weiss Ratings, Inc., and "Api" by the S&P Insurance Rating Report.

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