DEMO QUOTE PAGE
FEMALE AGE 30
Life Insurance Quotes Starting at $7.69 per month to $241.95 per month
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Life Insurance Will Be My Final Loving Act To My Daughter… What Will Be Yours?
American National Life Insurance Company
GUL – GURANTEED UNIVERSAL LIFE
To Age 100!
Main Product Brochure
[$1,000,000] GUL to Age 100
Monthly Premium of: $241.75
Guaranteed cash payout after 20 years, {$58,020)
Guaranteed cash payout after 25 years, {$75,525}
Note* policy ends if you cash it out!
*Guaranteed Lifetime Income Starting At Age 70 is: $20,123.87
Total Of Guaranteed Payouts to age 95 is: $704,335.45
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[$500,000] GUL to Age 100
Monthly Premium of: $131.50
Guaranteed cash payout after 20 years, {$31,560)
Guaranteed cash payout after 25 years, {$39,450}
Note* policy ends if you cash it out!
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[$250,000] GUL to Age 100
Monthly Premium of: $72.33
Guaranteed cash payout after 20 years, {$17,360)
Guaranteed cash payout after 25 years, {$21,700}
Note* policy ends if you cash it out!
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[$50,000] GUL to Age 100
Monthly Premium of: $28.25
Guaranteed cash payout after 20 years, {$6,780)
Guaranteed cash payout after 25 years, {$8,475}
Note* policy ends if you cash it out!
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Provides lump sum cash payouts when you suffer at: Heart Attack, Stroke, End-Stage Renal Failure, Invasive Cancer, Major Organ Transplant, ALS, Paralysis, Arterial Aneurysms, Blindness, Central Nervous System Tumors, Major Multi-System Trauma, Aids, Severe Disease Of Any Organ, Severe Central Nervous System Disease, Major Burns, Loss Of Limbs. If unable to perform 2 of 6 activities of daily living for a period of at least 90 days or requires constant supervision to protect from threats to health or safety due to severe cognitive impairment: The ADLs include bathing, continence, dressing, eating, toileting, and transferring. This plan also has a Terminal Illness rider allowing you to receive up to 90% of the policy if an eligible insured has an illness or chronic condition that is expected to result in death within 12 to 24 months. . Guarantee cash out option at 15 years, 20 years and again at 25 years. Get 100% return of your money at the 20 year and 25-year guaranteed cash out period. American National Life Insurance Company*
All quotes to include Annuity guaranteed income quotes are subject to change and based upon todays current rates.
Check with your advisor for updated rates.
American National’s GUL – Guaranteed Universal Life Insurance Plan…
Is one of my favorite GUL products. I represent the top 25 companies offering Living Benefit Life Insurance Plans better known as…
“Life Insurance You Don’t Have To Die To Use” *
And American National As of 2023 Is at the top of the list.
This plan features a whopping 21 Life Event Triggers that could change your life for the better along with a few other important features that makes this plan a no brainer.
This plan will pay you a lump sum cash benefit for 16 different Critical Illnesses along with a lump sum cash benefit for Chronic Illness / Long Term Care benefits & if after 15 years you want to cash out and receive 50% of every dollar you’ve paid, you can do so, but if you keep it 5 more years for a total 20 years, you can receive 100% of every dollar you’ve paid, just in time to pay off the Mortgage. A 3rd cash out option is offered in year 25 just in case you skip year 15 and year 20!
Don’t wait until you can’t qualify for this plan due to Age & health conditions!
Contact My Office Today!
Columbian Financial Group
Simplified Issue Term
With Living Benefits
Main Product Brochure
[$200,000] TERM INSURANCE
$200,000 TERM INSURANCE
10 Year Term – $36.20
Download quote sheet also includes 15-year, 20 year and 30-year term quotes.
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[$150,000] TERM INSURANCE
10 Year Term – $28.19
Download quote sheet also includes 15-year, 20 year and 30-year term quotes.
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[$100,000] TERM INSURANCE
$100,000 TERM INSURANCE
10 Year Term – $20.19
Download quote sheet also includes 15-year, 20 year and 30-year term quotes
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KEY PRODUCT HIGHLIGHTS-Living Benefits:
Terminal Illness Rider- If you are diagnosed with a terminal illness and life expectancy of 12 months or less, you’ll be able to advance the payment of up to 95% of your policy’s death benefit.
Critical Illness Rider- If you are diagnosed with life threatening cancer, ALS, kidney failure, heart attack, major organ failure or stroke, you’ll be able to advance the payment of up to 95% of your policy’s death benefit.
Chronic Illness Rider (Long Term Care)- If you suffer severe cognitive impairment or need assistance to perform two out of the six activities of daily living such as [bathing, continence, dressing, eating, toileting, and transferring], you’ll be able to advance the payment of up to 24% of your policy’s death benefit each year, up to 95% in total. Columbian Financial Group.
AIG-American General Life Insurance Co.
Basic Low Cost Term Life Insurance.
[$1,000,000] Term From 10 Year - 30 Year
10 Year Term Is ($15.14)
Click below to see quotes for 15,20,25 & 30 year
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[$500,000] Term From 10 Year - 30 Year
[$500,000] Term From 10 Year – 30 Year
10 Year Term Is ($10.90)
Click below to see quotes for 15,20,25 & 30 year
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[$250,000] Term From 10 Year - 30 Year
[$250,000] Term From 10 Year – 30 Year
10 Year Term Is ($8.62)
Click below to see quotes for 15,20,25 & 30 year
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[$150,000] Term From 10 Year - 30 Year
[$150,000] Term From 10 Year – 30 Year
10 Year Term Is ($8.40)
Click below to see quotes for 15,20,25 & 30 year
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[$100,000] Term From 10 Year - 30 Year
[$100,000] Term From 10 Year – 30 Year
10 Year Term Is ($7.69)
Click below to see quotes for 15,20,25 & 30 year
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EXPERT STRATEGY EXAMPLE
In this first example: We have a client age 40-Male-Good Health-NS
Pays $7,816.70 each year for $1,500,00 of coverage.
At age 60 suffers a major heart attack but survives.
Receives $1,164,368 Lump Sum Cash From Insurance Company
He decides to retire 5 years early after having the heart attack.
He keeps $500,000 cash to replace income for the 5 years
$664,368 is put into an Income Annuity for 10 years.
At age 70 he turns on the guaranteed income stream of $116,184.51
If he lives 10 years beyond age 70 total payout would be over a million dollars.
EXPERT STRATEGY EXAMPLE #2
In this second example: We have a client age 40-Male-Good Health-NS
Pays $7,816.70 each year for $1,500,00 of coverage.
At age 60 he converts policy into a 10-year delayed guaranteed income.
Using the 20-year cash out option he purchased a 10-year guaranteed income Annuity.
At age 70 he turns on the guaranteed income stream of $27,339.40
If he lives 10 years beyond age 70 total payout would be $273,396.40
He will receive this income guaranteed for the rest of his life
Along with income he receives from Social Security
Along with income he receives from his retirement accounts (401k-IRA etc)
To Learn More About These Expert Strategies Contact Our Office Today!
Don’t be a professional procrastinator!
For the overwhelming majority of people, it’s not a matter of if you can afford it… it’s a matter of if it’s more important than your tv, cable bill, $1,000 cell phone, $200 per month for cigarettes & drinks etc etc etc.
Make Life Insurance Your Final Loving Act to the ones you love the most!
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A- CNBC personal finance report showed Grandparents spend $179 billion annually on their grandkids an average of almost $2,600 each year per grandchild!
https://www.cnbc.com/2019/04/10/grandparents-spend-179-billion-annually-on-their-grandkids.html
Instead of spending an average of $2,600 each year on gifts that will eventually vanish away why not give the gift of financial stability instead.
If grandparents instead purchased a properly structured life insurance policy for $2,600 a year when their grandchild turns 5 months old … and pay on this policy for only 20 years…. then allow the account to grow untouched until their grandchild turned 65, they would be able to provide that grandchild with almost $4 million dollars of income tax free money.
$111,256.56 each year for 35 years income tax-free!
*I GET IT*
Buying gifts for children and grandchildren is exciting and fun! The Childs reaction is priceless! I’m not advocating for you to stop buying children gifts!
However, I am advocating for you to set aside a portion of what you were already going to spend on your children and grandchildren to provide them with a gift capable of creating a lifetime legacy of financial stability!
Instead of spending an average of $2600 each year let’s keep it 50/50! With an even split you could still potentially provide them with $2 Million dollars of income!
If you still have that buyers high and simply can’t resist buying gifts at least keep it 75/25! 75% gifts and 25% future financial gift that could provide $1 million dollars of future income!
Simply pay on the plan until the newborn reaches 20 years old or if you started late and the child is already 5, 10 or 15 years old pay on the plan for 20 years and never make another payment on the policy again.
At age 20 your child or grandchild could have a completely paid-up life insurance policy, that provides them with paid up long term care benefits, paid up mortgage protection benefits, a paid up income protection plan a paid up critical illness plan along with a paid up terminal illness plan and last but certainly not least, a paid up income tax free retirement plan!
Keep in mind the ultimate goal would be to allow this plan to sit for 65 years untouched while funding the policy for the first 20 years, however if at age 50 they need to access these funds to purchase a home or to pay off a home or to pay off a car or to pay off student loan debts or to change careers and start a new business they would have the Financial means to do so.
The next time you decide to purchase your grandchild a gift think about potentially holding back at least 25% of what you were already going to spend and putting it into an account potentially providing your grandchild with millions later on in life.
Start early, start as young as possible for maximum benefits!
Contact our office today and we’ll help you implement this plan for your grandchildren or children!
FROM OUR HAPPY CLIENTS
I’m always impressed with the attention the team gives me and the quality of financial service they provide. We work together, share together treat each other all as if we’re a family, always having their best interest at heart.
I’m always impressed with the attention the team gives me and the quality of financial service they provide. We work together, share together treat each other all as if we’re a family, always having their best interest at heart.
I’m always impressed with the attention the team gives me and the quality of financial service they provide. We work together, share together treat each other all as if we’re a family, always having their best interest at heart.