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ROPTerm,
one of the industry’s first return-of-premium term life
products, opens your door to an exciting alternative to traditional
term life and permanent life products. With ROP, clients can
look forward to a refund of their cumulative premiums at the
end of the level-premium period* — with the added selling
points of a level-premium death benefit structure and guaranteed
insurability during the level-premium period or until age 75
is reached, whichever occurs first.
But what about the advantages to
you?
- Competitive rates
- No policy fee
- Fully commissionable premiums
- Level-premium death benefit structure
- Superior compensation structure
* The cumulative premiums
paid on the policy during the level term period (15, 20 or
30 years), not including any substandard and rider charges,
will be paid to the customer at the end of the level term
period if the policy is then in force. The premium returned
does not take into account any time value of money. Beginning
the sixth (6th) policy year, a portion of the cumulative premiums
will be returned if the customer chooses to surrender the
policy.
Annual premium for Select Non-Tobacco Class I*
|
$250,000 |
|
Term |
15 Year |
|
30
Year |
| Age
|
Male |
Female |
|
Male |
Female |
| 35 |
$847.20 |
$787.20 |
|
$472.32 |
$409.80 |
| 45 |
$1259.52 |
$1144.56 |
|
$879.60 |
$657.24 |
| 55 |
$2634.00 |
$2196.60 |
|
— |
— |
| |
|
|
|
|
|
|
|
$500,000 |
|
Term |
15 Year |
|
30
Year |
| Age
|
Male |
Female |
|
Male |
Female |
| 35 |
$1344.48 |
$1224.48 |
|
$809.64 |
$689.76 |
| 45 |
$2134.20 |
$1904.28 |
|
$1679.28 |
$1174.56 |
| 55 |
$4893.00 |
$4018.44 |
|
— |
— |
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Term Insurance --vs--
AIG RETURN OF PREMIUM |
| |
|
|
$100,000 Term Insurance |
|
Age |
Term Premium |
15 Year Total |
Cash Value |
Rate of Return |
| 50 |
$384 |
$5760 |
$0 |
0% |
| 55 |
$580 |
$8700 |
$0 |
0% |
| 60 |
$920 |
$13,800 |
$0 |
0% |
| 65 |
$1,550 |
$23,250 |
$0 |
0% |
| |
|
$100,000 AIG RETURN OF PREMIUM INSURANCE |
|
Age |
Refund Term Premium |
15 Year Total/Cash Value |
Addt'l Prem. |
Addt'l Investment |
Guaranteed Tax-Free Annualized Return |
Entire Period Return |
| 50 |
$992 |
$14,880 |
$608 |
$9,120 |
5.90% |
136.29% |
| 55 |
$1,346 |
$20,190 |
$766 |
$11,490 |
6.76% |
166.76% |
| 60 |
$1,747 |
$26,205 |
$827 |
$12,405 |
8.88% |
258.28% |
| 65 |
$2,394 |
$35,910 |
$844 |
$12,660 |
12.20% |
462.20% |
|
*Premiums
will depend on each applicant's evidence of insurability. Premiums
increase at the end of the guaranteed term and if the policy
is renewed. Premiums for other rate classes, ages
and payment plans are available upon request. Death benefit
remains level and is payable in lump sum, or installments,
if so elected. The insurance company may contest the policy
for two years from the date of policy issue for material misstatements
or omissions on the application. Death benefit payable from
any cause except suicide within first two policy years. In
the event of suicide in the first two years, policy benefit
is limited to return of the premiums paid.
(Available in all states except
NJ, NY, & UT.)
For more
information:
*REQUIRED
For licensing
information:
Van Albanese,
CLU, ChFC
TheUSBroker Annuity Representative
phone: 1- 877-341-3342 toll free
fax: 1- 315-655 -4784
e-mail: valbanese@theusbroker.com
For sales information:
AIG Marketing Dept.
1-800-659-5920 (Opt. 4, 1)
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