Single Premium Universal Life
You worked
hard to accumulate wealth in the form of Bank CDs, Mutual Funds, Stock,
Bonds and Annuities. All of these vehicles create a common problem at the
time of your death — Federal Income Tax on earnings and gains.
American Equity has a life insurance program designed to
provide multiple benefits for you and your heirs. These benefits include:
- Estate Creation and Capital Transfer — Convert existing money
into a life insurance policy, with benefits which may be left to your
beneficiaries federal income tax-free and death benefits avoid probate
costs.
- Final expense to help your beneficiaries settle any unpaid bills.
- Tax advantages through tax deferred growth of policy value.
- Liquidity through 10% penalty-free withdrawals and/or policy loans.
Surrender charges apply to withdrawals in excess of the 10% penalty-free option.
Simplified Issue Whole Life Insurance
Make a living choice now! This choice can reduce costly estate
settlements or probate fees for your family and will ensure your
wishes are respected. You’ve worked hard to provide for your family.
When your children were young, you worked to provide them with all
of life’s necessities. Now that your children are grown it’s time to
take the worry out of final expenses.
Simplified Issue Whole Life Insurance Living Choice features:
- Direct payment of benefits to your beneficiary that avoid probate.
- Premiums that never increase.
- No medical exam based on answers to medical questions.
- Guaranteed death benefit.
- Cash values for emergencies through policy loans.
- The death benefit is federal income tax-free to your beneficiary.
Term Life
Low cost, affordable life insurance protection with the
ability to tailor your coverage for specific needs with 5, 10, 15 & 20
year plans.
Whether you need coverage until your children are grown, college is
paid for or until retirement, Select Term Life can provide peace
of mind.
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