American National Signature GUL With Guaranteed Cash-Out Option

Guaranteed Universal Life *Life Insurance You Don’t Have To Die To Use*
1. Die Too Soon – (Leave A Financial Legacy)

2. Become ill Along The Way

3. Chronic illness Benefits Up To $12,166 For Each Month Of Sickness

4. Critical illness Benefits -Receive Up To 85% Of Death Benefit While You Are Still Alive

5. Terminal illness- Receive 85% or more of death benefit while living, if diagnosed with 24 months or less to live.

6. Get 100% of your money back, Guaranteed!

Life Solutions Consumer Brochure

Columbian Financial Group
Life Solutions Whole Life Insurance w/Living Benefits

Critical Illness includes: • ALS (Lou Gehrig’s disease) • Aorta Graft Surgery• Aplastic Anemia• Blindness

• Cancer• Cystic Fibrosis• End Stage Renal Failure• Heart Attack• Heart Valve Replacement• Major Organ Transplant• Motor Neuron Disease• Stroke• Sudden Cardiac Arrest

Critical Injury includes:• Coma• Paralysis• Severe Burns• Traumatic Brain Injury

Chronic Illness-Activities of Daily Living 1. Bathing 2. Continence 3. Dressing 4. Eating 5. Toileting 6. Transferring

Terminal Illness – Diagnosed with a terminal illness that will result in death within 24 months of certification of the illness by a physician

SafeShield Living Benefit Rider Consumer

SafeShield Living Benefit Rider Fact Sheet

Columbian Financial Group
Term Life Insurance w/Living Benefits

Critical Illness includes: • ALS (Lou Gehrig’s disease) • Aorta Graft Surgery• Aplastic Anemia• Blindness

• Cancer• Cystic Fibrosis• End Stage Renal Failure• Heart Attack• Heart Valve Replacement• Major Organ Transplant• Motor Neuron Disease• Stroke• Sudden Cardiac Arrest

Critical Injury includes:• Coma• Paralysis• Severe Burns• Traumatic Brain Injury

Chronic Illness-Activities of Daily Living 1. Bathing 2. Continence 3. Dressing 4. Eating 5. Toileting 6. Transferring

Terminal Illness – Diagnosed with a terminal illness that will result in death within 24 months of certification of the illness by a physician

Final Expense Consumer Brochure

Living Benefits Brochure

National Life Group
Living Benefits

Critical Illness includes: • ALS (Lou Gehrig’s disease) • Aorta Graft Surgery• Aplastic Anemia• Blindness

• Cancer• Cystic Fibrosis• End Stage Renal Failure• Heart Attack• Heart Valve Replacement• Major Organ Transplant• Motor Neuron Disease• Stroke• Sudden Cardiac Arrest

Critical Injury includes:• Coma• Paralysis• Severe Burns• Traumatic Brain Injury

Chronic Illness-Activities of Daily Living 1. Bathing 2. Continence 3. Dressing 4. Eating 5. Toileting 6. Transferring

Terminal Illness – Diagnosed with a terminal illness that will result in death within 24 months of certification of the illness by a physician

Income For Life Rider – Live to long and receive a guaranteed income for life!

Church* / Charity*

Charitable Matching Gift Death Benefit

If an IRS-qualified charitable beneficiary is named, we will match the amount allocated to the charity up to 2% of your policy’s base face amount, up to $30,000.

5 Ways To Access Cash With Secure Lifetime GUL 3

Retain Key Employees

AIG
Secure Lifetime GUL 3

Guaranteed Universal Life Insurance

1. A Universal Life Insurance Policy with a 20 – 25 year return of premium.

2. Policy is guaranteed to last entire life (just like a whole life policy) but with cheaper premiums

3. Highest Chronic Illness monthly benefit!

4. Terminal illness benefit – 24 months or less to live.

5. If you live to long: Receive guaranteed income starting at age 85 to 95.

IUL Income For College & Retirement Funding

Max Accumulator + II Main Brochure – copy(1)

AIG
Fund Retirement and College with Index Universal Life.

Pay $6,000 per year in and get $200,000 out for college and get $600,000 for retirement.

Supplementing Retirement Income*Starting A Business*Paying For College* Paying For A Wedding*Covering Emergency Or Business Expenses*Purchasing A Vacation Home*Taking A Vacation*Making Home Improvements

*Avoiding Foreclosure  

Rising Cost Of Health Care

AIG

Modern life insurance policies offer cash accumulation and living benefits that can help minimize the financial strain of rising health care cost during retirement by providing funds while living.

With a chronic illness rider you can access income tax-free life insurance benefits if diagnosed with a qualifying condition.

Select Income Rider – Max Accumulator+II

Allows your beneficiaries to receive a smaller lump sum payment along with installment payments up to 30 years. By stretching the payout of the life insurance policy, your beneficiaries could receive 2-7% more income

Income For Life Rider

Guaranteed stream of lifetime income with optional cost of living increases. This stream of income is guaranteed until the insured reaches age 121 or until the insured passes away.

TriTerm Medical -Non ACA

United Health Care Medical Plans
United Health Care TriTerm Medical Plans

Preventive Care Coverage: After 6 months on the plan a $200 benefit per term per person.

Doctor Office Coverage. Doctor visits are covered on most TriTerm Medical plans. With some plans, you pay a $50 copay for the first 4 doctor visits (per term, per person) with no deductible to meet. Prescription Drugs. Most TriTerm Medical plans have a prescription coverage. Copay select plans have a $25 copay for common (Tier 1) prescriptions. Urgent Care Center. $75 Copay.

*Copay Select Direct/Max – My Recommended Plan. Select 10,000 Hospital deductible & save thousands – Then use GAP Insurance (found below) to pay for the deductible.

TriTerm Medical -Non ACA

United Health Care – GAP Insurance

Health Protector Guard. 

Lower your monthly premiums by using “GAP” insurance to pay for out-of-pocket deductible expenses. 

Save money with your main health insurance plan by using a “High Deductible Plan” Then use a “GAP” insurance plan which is much cheaper… to pay for deductible expenses. 

GAP Insurance Tier 2 Hospital Save Guard GI

United Health Care – GAP Insurance
GAP Insurance Tier 2. Hospital Safe Guard GI.

Lower your monthly premiums by using “GAP” insurance to pay for out-of-pocket deductible expenses.

Save money with your main health insurance plan by using a “High Deductible Plan” Then use a “GAP” insurance plan which is much cheaper… to pay for deductible expenses.

Accident ProGap

United Health Care – GAP Insurance
GAP Insurance Tier 3. Accident Pro Gap
Lower your monthly premiums by using “GAP” insurance to pay for out-of-pocket deductible expenses.

Save money with your main health insurance plan by using a “High Deductible Plan” Then use a “GAP” insurance plan which is much cheaper… to pay for deductible expenses.

43 114 4901 0422 US Single

GUARANTEED ISSUE-No Health Questions Asked!

The Guaranteed Assurance plan is a guaranteed issue plan that
requires no health screening. If your health limits you from qualifying
from other plans, you can be covered with a GWIC policy.

Plan #1
The Great Assurance® plan is an immediate benefit, first-day coverage
plan for those in good health. It has two riders — Accelerated Death
benefit (included at no extra cost) and Accidental Death benefit.
Accelerated Death benefit
rider: Included at no additional
cost. The benefit is paid as a
lump-sum payment based on
the present value of the death
benefit.
• Terminal illness: Life
expectancy is 12 months
or less
• Chronic illness: Cannot
perform activities of daily
living (ADLs) for at least
90 days or requires
substantial supervision
Accidental Death rider:
Optional rider that pays
out the full face amount, in
addition to the policy’s benefit.

Plan#2

The Graded Benefit plan is for those who have several health conditions.
It pays out the benefit according to how long you’ve had the policy. It
pays 30% of the face amount within Year 1, 70% within Year 2, and 100%
at Year 3 and above if the death is not accidental. The plan pays the full
face amount if the death is accidental

Term w Living Beneffits

Face Amount Options Issue Ages
$50,000–$500,000 18–45
$50,000–$400,000 46–55
$50,000–$250,000 56–65
$50,000–$100,000 66–75
Level Term Options Issue Ages
10-Year Term 18–75
15-Year Term 18–70
20-Year Term 18–65
25-Year Term 18–60
30-Year Term 18–55

Benefits
9 Death benefits generally paid income-tax free to beneficiaries
9 Ability to accelerate a percentage of the policy’s death benefit
if the insured is diagnosed with a Terminal Illness, Critical Illness,
or Chronic Illness**
9 Optional Accidental Death Benefit Rider provides an additional
death benefit of 1x the base policy face amount up to $250,000
if the insured’s death is the result of an accident (available for
insured issue ages 18-74, expires at insured age 75)
9 Optional Waiver of Premium Rider waives premiums should the
insured become totally disabled (available for insured issue ages
9 18-55, expires at insured age 65)
9 Optional Child Term Rider provides $5,000, $10,000, or $15,000
in term coverage up to age 21, on the lives of up to 5 eligible
(age 15 days – 17 years) children or grandchildren of the insured
(available for insured issue ages 18-64)

New Vista

Plan Benefit†
Level
• The death benefit is equal to the face amount of
the policy from the 1st day of coverage.
Graded
• During the first year of coverage, the death benefit
is equal to 30% of the face amount.
• During the second year of coverage, the death
benefit is equal to 70% of the face amount.
• After the second year of coverage, the death
benefit is equal to the face amount of the policy.
• In the event of accidental death, full face amount
is paid from the first day of coverage.
Modified
• During the first year of coverage, the death benefit
is equal to 110% of the annual premium (excluding
the policy fee).
• During the second year of coverage,
the death benefit is equal to 231% of
the annual premium (excluding the policy fee).
• After the second year of coverage, the death
benefit is equal to the face amount of the policy.
• In the event of accidental death, full face amount
is paid from the first day of coverage.

Click To View Me At NC Department Of Insurance.GOV

Then Enter My Name (Melvin Gambrell) & Or Agent Number To Find Me!