PROTECTION PROTECTION SIUL. The pacesetter in affordable, secure protection. For two. LIFE /16 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.
|
|
- Rosalyn Moore
- 5 years ago
- Views:
Transcription
1 C O N S U M E R G U ID E PROTECTION PROTECTION SIUL The pacesetter in affordable, secure protection. For two. LIFE /16 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.)
2 You ve worked hard planning for the future and now it s time to protect all that you ve built for your family, for your business or both. John Hancock s Protection Survivorship Indexed Universal Life (SIUL) can help you safeguard what matters most by giving you the protection you need. Protection for what matters most. Today and in the future. INSURANCE PRODUCTS: Not FDIC Insured Not a Deposit Not Bank Guaranteed May Lose Value Not Insured by Any Federal Government Agency
3 CONSUMER GUIDE Protection SIUL 2 Affordable Protection John Hancock s Protection SIUL is an affordable flexible premium survivorship indexed universal life insurance policy that can help provide the protection you need to meet your financial goals. It offers you an opportunity to earn interest linked to the performance of the S&P 500 1, while protecting the policy s cash value from market risk. Tailored to your needs and goals As a permanent life insurance solution, John Hancock s Protection SIUL can help meet a wide range of your personal and business planning needs, such as: Affordable, lifetime death benefit protection Provide funding for estate or inheritance taxes Preserve your assets for your heirs Optional riders allow you to customize the policy to meet your personal or business planning needs Living a longer, healthier life if you choose Protection SIUL with Vitality, you ll have the opportunity to significantly lower your premiums, 2 plus get additional rewards and support in your pursuit of a healthier lifestyle. S&P 500 Index The S&P 500 Index is widely regarded as the best gauge of the U.S. equities market. This world-renowned index includes 500 leading companies in leading industries of the U.S. economy. Although the S&P 500 focuses on the large cap segment of the market, with approximately 75% coverage of U.S. equities, it is also an excellent proxy for the total world market.
4 3 CONSUMER GUIDE Protection SIUL How Your Policy Works Tax-Deferred Growth. Tax-Favored Distributions. Income Tax-Free Death Benefit. The chart below illustrates the tax-deferred policy cash values, tax-favored retirement distributions and tax-free death benefit available with a John Hancock Protection SIUL policy. 3 The cash value in a life insurance policy grows on a tax-deferred basis. As long as the policy is not a Modified Endowment Contract (MEC), you can take withdrawals and loans from the cash value without adverse tax implications. Withdrawals from the policy are income tax free up to the policy s cost basis (premiums paid), after which point you can switch to loans, which are generally not taxable. 4 John Hancock s Protection SIUL offers affordable death benefit protection for the assets you ve earned in the past and strategies to help manage your risk tolerance today and in the future. You Pay Premiums Less Premium Charge POLICY VALUE Less Policy Charges Fixed Account High Par Capped Indexed Account Capped Indexed Account Uncapped Indexed Account and/or Tax Advantaged Loans or Withdrawals Income Tax-Free Death Benefit You Your Beneficiary
5 CONSUMER GUIDE Protection SIUL 4 Choose Your Strategy John Hancock s Protection SIUL offers the flexibility of four highly competitive premium allocation options giving you the opportunity to allocate your premiums to the Fixed Account, 5 the High Par Capped Indexed Account, the Capped Indexed Account, the Uncapped Indexed Account or any combination of the four. You also have the option to change your premium allocation options over time, as your needs change. Regardless of which allocation you choose, your Policy Value is deposited in John Hancock s General Account and guaranteed by the company against any investment loss. The policy does not directly participate in any stock or equity investments. Below are four possible allocation options. It is important to consult your financial professional to review a premium allocation strategy that meets your specific objectives. Premium Allocation Options Objective Interest Credits Based On Fixed Account Seeks strong stable performance Declared crediting rate Capped Indexed Account High Par Capped Indexed Account Uncapped Indexed Account Seeks some of the upside potential of equities, without risking negative returns A more conservative index-based option which seeks some of the upside potential of equities, without risking negative returns For those who are optimistic about potential equity market performance; accepts more potential volatility in exchange for more upside potential Annual performance of the S&P 500 with a 100% participation rate, up to a declared Capped Rate (a maximum credited interest rate) Annual performance of the S&P 500 with a 160% participation rate,* up to a lower declared Capped Rate (a maximum credited interest rate) Annual performance of the S&P 500 with a 100% participation rate, minus a declared Threshold Rate (a rate subtracted from the annual performance of the S&P 500) * Guaranteed participation rate of 140%
6 5 CONSUMER GUIDE Protection SIUL Basic Needs. Essential Benefits. Protection John Hancock s Protection SIUL offers an incometax-free death benefit that is available for family or business protection needs. With proper planning, your beneficiaries will receive the policy proceeds directly (without probate) on a tax- favored basis (under current law). 3 Guarantees John Hancock s Protection SIUL also provides a No-Lapse Guarantee called the Death Benefit Protection feature. 6 By meeting the Death Benefit Protection funding requirement, you are assured your policy will remain in force even if the cash surrender value falls to zero or below (assuming no loans are present). Cumulative Guarantee John Hancock s Protection SIUL also includes a Cumulative Guarantee that ensures the Policy Value will grow at a minimum cumulative rate of 2% (net of policy charges) regardless of how you allocate your Policy Value or how the underlying index performs over time. The Cumulative Guarantee only applies upon surrender. Opportunity Growth Potential with Guarantees John Hancock s Protection SIUL offers you the flexibility to allocate premiums to one, three or all four of its crediting strategies. This includes the opportunity to earn interest in the Fixed Account or in three Indexed Account options that are linked to the positive performance of the S&P 500. Both Indexed Accounts have a minimum floor rate of 0%. Flexibility There are several ways to design your policy so that it meets your specific needs, including: Death Benefit Selection Choose a level death benefit if you want your policy s death benefit to remain the same from year to year. Or for an additional cost, choose to have your death benefit increase whenever your cash value increases which may be an attractive option if you have a growing family or business. Premium Payment Choices Within limits, you may vary your premium payments to fit your budget and objectives. (Of course, a certain minimum is required, and paying less may cause your No-Lapse Guarantee to terminate early.) For example, if your primary concern is life insurance protection, you may want to fund your policy to provide coverage for your life expectancy or beyond. If your objective is to take advantage of the potential cash value accumulation in your policy, you may want to increase the amount of your premium payments. Liquidity One of the benefits of John Hancock s Protection SIUL is its cash value accumulation potential. For example, if you need to supplement your retirement income or cover college expenses, you may choose to take a distribution from your policy through a policy loan or withdrawal. 7 Keep in mind that this will lower your policy s account value and death benefit, and surrender charges may apply to a withdrawal in the early years. 4
7 Contact your financial advisor for more information and a personalized product illustration.
8 Strength. Stability. John Hancock. John Hancock s strong ratings, as judged by the major rating agencies, are a comprehensive measure of the company s financial strength and stability. This is important because these financial ratings reflect the life insurance company s ability to pay claims in the future. With over 150 years of experience, John Hancock offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents, and distribution partners. 1. Excluding Dividends. Standard & Poor s, S&P, S&P 500, Standard & Poor s 500 and 500 are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by John Hancock. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor s, and Standard & Poor s makes no representation regarding the advisability of purchasing the Product. The S&P 500 Index is an index of 500 stocks that are generally representative of the performance of leading companies in leading industries within the U.S. You cannot invest directly in the S&P 500 Index. 2. Please consult your financial representative as to how premium savings may affect the policy you purchase. Paying a premium that differs from an originally illustrated amount could reduce the duration of your policy s Death Benefit Protection feature or impact other features of your policy. 3. Life insurance death benefit proceeds are generally excludable from the beneficiary s gross income for income tax purposes. There are a few exceptions such as when a life insurance policy has been transferred for valuable consideration. Comments on taxation are based on John Hancock s understanding of current tax law, which is subject to change. Please consult your tax advisor for guidelines specific to your situation. 4. Loans and withdrawals will reduce the death benefit and the cash surrender value, and may cause the policy to lapse. Lapse or surrender of a policy with a loan may cause the recognition of taxable income. Withdrawals in excess of the cost basis (premiums paid) will be subject to tax and certain withdrawals within the first 15 years may be subject to recapture tax. Additionally, policies classified as Modified Endowment Contracts may be subject to tax when a loan or withdrawal is made. A federal tax penalty of 10% may also apply if the loan or withdrawal is taken prior to age 59½. Cash value available for loans and withdrawals may be more or less than originally invested. Withdrawals are available after the first policy year. 5. The Fixed Account is called the Guaranteed Interest Account in your policy. 6. Protection SIUL policies automatically include a no-lapse guarantee (NLG) called Death Benefit Protection. This feature guarantees that the policy will not default, even if the cash surrender value falls to zero or below, provided that the Death Benefit Protection Value remains greater than zero and policy debt never exceeds the Policy Value. Policyholders who pay only the minimum premium required to keep the Death Benefit Protection in effect may forego the advantage of building significant cash value in this policy. The no-lapse guarantee under the Death Benefit Protection has a maximum duration to the younger insured s age 121. The duration of the no-lapse guarantee coverage may be less, depending upon the funding level chosen by the policyholder. The NLG duration is stated in the contract and reflected in the illustration s guaranteed net death benefit column. At the end of the NLG duration, premiums greater than those originally illustrated may be required to maintain coverage. Factors such as, but not limited to, the amount and timing of premium payments, loans, withdrawals, or any other change allowed under the contract could potentially terminate the no-lapse guarantee. Once terminated, the Death Benefit Protection feature cannot be reinstated. 7. Protection SIUL offers the option to borrow a portion of the policy value in one of two forms: a Standard Loan or an Index Loan. Index Loans carry significantly more risk than Standard Loans. Vitality is the provider of the John Hancock Vitality Program in connection with your life insurance policy and Healthy Engagement Rider. All three Indexed Accounts use a point-to-point interest crediting strategy with 1-year segments. The Index Segment Interest Credit proceeds are calculated and earned at Segment Maturity only. If the policy terminates for any reason, any unmatured Segments will not earn interest credit. The Participation Rate is the percentage of the change in the value of the Index over the Segment Term that will be recognized in the calculation of the Interest Credit earned on any of the three Indexed Account options. For the Capped and Uncapped Indexed Account the Participation Rate is 100% (guaranteed) and for the High Par Indexed Account the Participation Rate is 160% (140% guaranteed). On its Segment Maturity Date, each Segment earns interest at a rate equal to the rate of change in the Index over the Segment Term multiplied by the participation rate subject to a guaranteed 0% Segment Floor rate and, depending on the Indexed Account option elected, either a Segment Cap or Segment Threshold rate. Please contact your representative to discuss the differences between these options and for our current rates. The Fixed Account credits a declared rate that will never be lower than the guaranteed annual rate of 2.00% There are costs of insurance, surrender, and other charges associated with this policy. The life insurance policy describes coverage under the policy, exclusions and limitations, what you must do to keep your policy inforce, and what would cause your policy to be discontinued. Please contact your licensed agent or John Hancock for more information, costs, and complete details on coverage. John Hancock Life Insurance Company (U.S.A.), Boston, MA MLI Policy Form Series: ICC16 16PSIUL, 16PSIUL; Policy Rider Series: 16HER-S
rewards healthy living An innovative life insurance solution that
An innovative life insurance solution that rewards healthy living Vitality refers collectively to the benefits provided by John Hancock s Healthy Engagement feature. The Vitality Group is the company that
More informationrewards healthy living An innovative life insurance solution that
An innovative life insurance solution that rewards healthy living Vitality refers collectively to the benefits provided by John Hancock s Healthy Engagement feature. The Vitality Group is the company that
More informationACCUMULATION SVUL Reaching new heights in meeting retirement needs. For two. CONSUMER GUIDE
CONSUMER GUIDE ACCUMULATION SVUL Reaching new heights in meeting retirement needs. For two. JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK IM5235CG You have
More informationFlexibility, growth and protection tailored to fit your needs
ACCUMULATION INDEXED UNIVERSAL LIFE INSURANCE Flexibility, growth and protection tailored to fit your needs OFFERING SAVINGS & REWARDS FOR LIVING HEALTHY LIFE-4830 9/18 JOHN HANCOCK LIFE INSURANCE COMPANY
More informationLife Insurance Product Portfolio
Life Insurance Product Portfolio UNIVERSAL LIFE INDEXED UNIVERSAL LIFE VARIABLE UNIVERSAL LIFE TERM LIFE LIFE-1832 12/17 THIS MATERIAL IS FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION
More informationPRODUCER GUIDE. Product Highlights, Features and Benefits LIFE /16
PRODUCER GUIDE Product Highlights, Features and Benefits LIFE-2232 10/16 Protection SIUL from John Hancock is already one of the most affordable Survivorship Indexed UL products on the market. Now, your
More informationCompetitive Advantages and Winning Features
REFERENCE GUIDE Competitive Advantages and Winning Features A Quick Reference Guide Highlighting the Competitive Advantages of John Hancock s Life Insurance Portfolio FOR BROKER/DEALER USE ONLY. NOT FOR
More informationPRODUCER GUIDE. Protection IUL with. Product Highlights, Features and Benefits LIFE /15
PRODUCER GUIDE Protection IUL with Product Highlights, Features and Benefits LIFE-4815 7/15 Protection IUL with Protection IUL from John Hancock is often the most affordable Indexed UL product on the market.
More informationPRODUCER GUIDE. Product Highlights, Features and Benefits LIFE /17
PRODUCER GUIDE Product Highlights, Features and Benefits LIFE-4815 5/17 Protection IUL from John Hancock is often the most affordable Indexed UL product on the market. And now your clients can save even
More informationPRODUCER GUIDE PROTECTION PROTECTION SUL. Experience the ultimate in design and performance. For two. FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC.
PRODUCER GUIDE PROTECTION Experience the ultimate in design and performance. For two. FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC. PROTECTION Protection SUL Protection and Features 1 Industry-leading
More informationSupplementing Retirement Income with Life Insurance
Supplementing Retirement Income with Life Insurance CLIENT SNAPSHOT INDIVIDUAL NEEDS Protection for today, income for tomorrow Protecting your family and planning for a long retirement are likely to top
More informationPRODUCER GUIDE PROTECTION PROTECTION UL. Experience the ultimate in design and performance FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC.
PRODUCER GUIDE PROTECTION Experience the ultimate in design and performance FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC. PROTECTION Protection UL Protection and Features 1 Industry-leading limited-pay,
More informationACCUMULATION PREMIER LIFE. A Triple Combination Security. Performance. Simplicity. PRODUCER GUIDE A FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE POLICY
PRODUCER GUIDE ACCUMULATION A Triple Combination Security. Performance. Simplicity. A FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE POLICY FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC. ACCUMULATION Premier
More informationIndexed Universal Life Insurance
Life Insurance Indexed Universal Life Insurance The Index Advantage LBL8193-1 Discover the advantages. To provide and protect it s what we all want to do for our loved ones. And with indexed universal
More informationIndexed Explorer Plus
Indexed Explorer Plus UNIVERSAL LIFE CLIENT GUIDE CL 5.1759 (12/18) 2 12 Indexed Explorer Plus UNIVERSAL LIFE A sense of financial stability for your family and a lasting legacy for the people and organizations
More informationPROTECTION SUL-G. Setting a course for life PRODUCER GUIDE VERSATILE SURVIVORSHIP PROTECTION. GUARANTEED.
PRODUCER GUIDE PROTECTION Setting a course for life VERSATILE SURVIVORSHIP PROTECTION. GUARANTEED. FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC. PROTECTION Performance and Features 1 Competitive compensation
More informationPRODUCER GUIDE. Product Highlights, Features and Benefits LIFE /16
PRODUCER GUIDE Product Highlights, Features and Benefits LIFE-5929 3/16 PROTECTION UL WITH VITALITY John Hancock s Protection UL is the lowest-cost permanent life insurance policy in our portfolio; in
More informationPRODUCER GUIDE. Product Highlights, Features and Benefits LIFE-9233WEB 6/17
PRODUCER GUIDE Product Highlights, Features and Benefits LIFE-9233WEB 6/17 When it comes to low-cost coverage and cash value potential, Protection VUL is already one of the most competitive products on
More informationHighlights, features and benefits Protection UL
PRODUCER GUIDE Highlights, features and benefits Protection UL LIFE-2218 3/18 John Hancock s Protection UL John Hancock s Protection UL is the lowest-cost permanent life insurance policy in our portfolio,
More informationAsset Builder Index UL II
Consumer Information I Asset Builder Index UL II Asset Builder Index UL II The Protection and Accumulation Solution Index universal life insurance products underwritten by: Genworth Life and Annuity Insurance
More informationUnderstanding fixed index universal life insurance
Allianz Life Insurance Company of North America Understanding fixed index universal life insurance Protection, wealth accumulation potential, and tax advantages in one policy M-3959 Page of 8 Understanding
More informationAccumulation Builder Choice IUL Flexible Premium Adjustable Indexed Life
Life Insurance Illustration Prepared For: Mr Valued Client - Owner/Insured Prepared By: Kirk Marley 4741 Liberty Rd S Salem, OR 97302 (503) 371-8115 January 18, 2013 Table of Contents Introduction........................
More informationSurvivorship Plus Select Indexed Universal Life
Survivorship Plus Select Indexed Universal Life Survivorship Plus Select Indexed Universal Life Discover What s Possible PM8364 Page 1 of 12 Reaching a safe harbor requires a well plotted course and a
More informationPRODUCER GUIDE. Product Highlights, Features and Benefits LIFE /17
PRODUCER GUIDE Product Highlights, Features and Benefits LIFE-5929 5/17 John Hancock s Protection UL 1 is the lowest-cost permanent life insurance policy in our portfolio; in many cases, it s the most
More informationPruLife Survivorship Index UL. SIUNLG-2015 or ICC15 SIUNLG-2015
CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS FAST FACTS PruLife Survivorship Index UL Contract Number Overview Target Markets Design Highlights SIUNLG-2015 or ICC15 SIUNLG-2015 PruLife Survivorship
More informationLife Insurance Illustration. Prepared For: Client
Life Insurance Illustration Prepared For: Prepared By: Life Agent Cavalier Associates 281 Townsgate Rd. Suite 35 Westlake Village, CA 91361 ph: 8-35-219 John Hancock Life Insurance Company (U.S.A.) Valuable
More informationPRODUCER GUIDE PROTECTION UL-G. Getting set for life VERSATILE PROTECTION. GUARANTEED. FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC.
PRODUCER GUIDE PROTECTION Getting set for life VERSATILE PROTECTION. GUARANTEED. FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC. PROTECTION Performance and Features 1 Competitive compensation package
More informationPruLife Survivorship Index UL
PRULIFE SURVIVORSHIP INDEX UL PruLife Survivorship Index UL HE LP ING YOU BUILD A GREATER LE GACY. Issued by Pruco Life Insurance Company or Pruco Life Insurance Company of New Jersey 0284775-1 ABOUT THIS
More informationCHARTING A COURSE. to Help Secure your Future with Life Insurance
CHARTING A COURSE to Help Secure your Future with Life Insurance John Hancock Life Insurance Company (U.S.A.) (John Hancock) John Hancock Life Insurance Company of New York (John Hancock) LIFE-1954 12/14
More informationLive Today. Secure Tomorrow.
Live Today. Secure Tomorrow. Single Premium Indexed Universal Life Insurance Policy Issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD 13-067 Expecting the Unexpected Just because the
More informationProtection IUL with. Comprehensive Product Resource Guide TECHNICAL GUIDE
TECHNICAL GUIDE Protection IUL with Comprehensive Product Resource Guide For agent use only. This material may not be used with the public. LIFE-4820 7/15 Table of Contents Applications... 2 Market Focus...
More informationJohn Hancock Life Insurance Company (U.S.A.)
A Life Insurance Illustration of Accumulation VUL A Variable Universal Life Insurance Prepared For Presented By Scott D. Sorrell, CLU, ChFC, AIF, RICP, Capitol Financial Solutions 8816 Six Forks Rd. Suite
More informationLife Insurance in Retirement Program
Life Insurance in Retirement Program Looking at options as unique as you are Prepared for d Client Prepared by MNL Producer February 9, 2011 This presentation uses Eclipse Indexed Life - 06-700 or ICC09-700
More informationHighlights, features and benefits Protection IUL
PRODUCER GUIDE Highlights, features and benefits Protection IUL OFFERING CLIENTS SAVINGS AND REWARDS FOR LIVING HEALTHY LIFE-4815 1/19 John Hancock s Protection IUL Protection IUL from John Hancock is
More informationAffordable protection and flexibility. Rewards for healthy living.
JOHN HANCOCK TERM WITH VITALITY LIFE INSURANCE Affordable protection and flexibility. Rewards for healthy living. LIFE-5921 9/18 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) John Hancock Term with Vitality
More informationPremier Foundation Indexed Annuities
Premier Foundation Indexed Annuities Premier Foundation Indexed Annuities Discover What s Possible PM8285 Page 1 of 12 The Penn Mutual Life Insurance Company The Penn Insurance and Annuity Company Plan
More informationProtect what you have
Nationwide Variable Universal Life Protector Client guide Protect what you have Plan for what you want 1 NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY 2 Tomorrow starts today As the world continues to
More informationBalance your financial future
LIFE INSURANCE INDEXED UNIVERSAL LIFE INSURANCE Balance your financial future FOR GENERAL USE WITH THE PUBLIC Life is all about finding the right balance. Balancing your family and career. Balancing healthy
More informationGetting to Know NATIONWIDE SURVIVORSHIP LEGACY PROVIDER UNIVERSAL LIFE. Nationwide Survivorship Legacy Provider Universal Life SM
Getting to Know NATIONWIDE SURVIVORSHIP LEGACY PROVIDER UNIVERSAL LIFE Nationwide Survivorship Legacy Provider Universal Life SM After a lifetime of planning and saving, you ve created a comfortable living
More informationACCUMULATION SIMPLIFIED LIFE. Easy Issue VUL. A straight shot growth potential with simplified underwritng PRODUCER GUIDE
PRODUCER GUIDE ACCUMULATION Easy Issue VUL A straight shot growth potential with simplified underwritng LIFE-1915 7/14 THIS MATERIAL IS FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR
More informationThe 1-Year Point-to-Point Indexed Account
Lincoln LifeReserve Indexed Universal Life Accumulator The -Year Point-to-Point Indexed Account Protection and growth potential with guaranteed interest The Lincoln National Life Insurance Company Not
More informationJohn Hancock s Corporate VUL Technical Guide
John Hancock s Corporate VUL Technical Guide Making it Easy to Plan for the Future LIFE-3987 10/14 THIS MATERIAL IS FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR USE WITH THE PUBLIC.
More informationA plan for tomorrow can make all the difference
Nationwide Variable Universal Life Accumulator Client guide A plan for tomorrow can make all the difference Make your future count 1 NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY 2 Tomorrow starts today
More informationProtection That Offers Selection To Fit Your Lifestyle! More Choices More Control!
Protection That Offers Selection To Fit Your Lifestyle! More Choices More Control! Consumer Brochure A Flexible Premium Life Insurance Policy with Equity Index Options Policy Form 01-1143-07 and state
More informationMaximizing a legacy IF AN ASSET IS NOT NEEDED TO SUPPORT A CLIENT S LIFESTYLE, it often becomes earmarked as an inheritance for the next generation. T
Using Life Insurance to Maximize the Value of an Annuity LIFE-9295 10/17 JOHN HANCOCK PLAYBOOK Maximizing a legacy IF AN ASSET IS NOT NEEDED TO SUPPORT A CLIENT S LIFESTYLE, it often becomes earmarked
More informationSurvivorship GIUL. A Universal Life Insurance Policy Illustration EXPLANATION OF POLICY ILLUSTRATION
EXPLANATION OF POLICY ILLUSTRATION THIS IS AN ILLUSTRATION ONLY. AN ILLUSTRATION IS NOT INTENDED TO PREDICT ACTUAL PERFORMANCE. INTEREST RATES, DIVIDENDS AND VALUES SET FORTH IN THE ILLUSTRATION ARE NOT
More informationPRODUCER GUIDE. Product Highlights, Features and Benefits LIFE /16
PRODUCER GUIDE Product Highlights, Features and Benefits LIFE-2176 11/16 When it comes to cash value potential and retirement income, Accumulation VUL is already one of the most competitive products on
More informationInitial Basic Coverage $1,052,948 Initial ARTR Coverage $451,362 Initial Total Face Amount $1,504,310
Proposed Insured: Valued Client Male, Age 55 Preferred Nonsmoker Summary of this Illustration - Pacific Indexed Performer LT Pacific Indexed Performer LT - Life Insurance Illustration Life Insurance Producer:
More informationProtection UL with. An innovative life insurance solution that rewards healthy living
Protection UL with An innovative life insurance solution that rewards healthy living Vitality refers collectively to the benefits provided by John Hancock s Healthy Engagement feature. The Vitality Group
More informationJohn Hancock Life Insurance Company (U.S.A.)
Valuable Information About Your Life Insurance Illustration Flexible Adjustable Life Insurance The Flexible Adjustable Life Insurance policy which you are considering provides flexible death benefit protection
More informationFG Life-Choice. Fixed Indexed Universal Life Insurance Consumer Brochure
FG Life-Choice Fixed Indexed Universal Life Insurance Consumer Brochure ADV 1309 (09-2012) Fidelity & Guaranty Life Insurance Company Rev. 06-2013 13-129 FG Life-Choice Fixed Indexed Universal Life Insurance
More informationVoyager CLIENT GUIDE UNIVERSAL LIFE CL (10/18)
Voyager UNIVERSAL LIFE CLIENT GUIDE CL 5.1762 (10/18) 1 6 Voyager UNIVERSAL LIFE Flexible Affordable Guaranteed! As life changes, so does your need for protection. If your financial strategy involves a
More informationSurvivorship GIUL. A Universal Life Insurance Policy Illustration EXPLANATION OF POLICY ILLUSTRATION
Male, Age 70 (Based on Nearest Birthday), Standard Non-Tobacco Second Insured: Second Insured -0000 EXPLANATION OF POLICY ILLUSTRATION THIS IS AN ILLUSTRATION ONLY. AN ILLUSTRATION IS NOT INTENDED TO PREDICT
More informationJOHN HANCOCK TERM. Life on Your Terms. Adding in Low Premiums with Guaranteed Protection
Life on Your Terms Consumer Guide Term Life Insurance JOHN HANCOCK TERM Adding in Low Premiums with Guaranteed Protection IM4118CG 10/11 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE INSURANCE
More informationACCUMULATION. Easy Issue VUL. Everything you need to sell SIMPLIFIED LIFE SELLER S GUIDE
SELLER S GUIDE ACCUMULATION Everything you need to sell SIMPLIFIED LIFE Easy Issue VUL LIFE-1916WH 01/15 THIS MATERIAL IS FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR USE WITH THE
More informationThe Cross Endorsement Buy Sell ADVISOR COMPANION
The Cross Endorsement Buy Sell ADVISOR COMPANION BUSINESS PLANNING A unique buy-sell plan where the owner and the insured are the same Most buy-sell plans funded with life insurance have one thing in common:
More informationBuilding financial freedom using the Freedom Builder fixed indexed annuity
Building financial freedom using the Freedom Builder fixed indexed annuity Products and financial services provided by American United Life Insurance Company a OneAmerica company One American Square, P.O.
More informationrewards healthy living An innovative life insurance solution that
An innovative life insurance solution that rewards healthy living Vitality refers collectively to the benefits provided by John Hancock s Healthy Engagement feature. The Vitality Group is the company that
More informationLincoln knows accumulation Client profiles for wealth accumulation planning with Lincoln life insurance
Lincoln knows accumulation Client profiles for wealth accumulation planning with Lincoln life insurance Lincoln s diverse portfolio has solutions that provide: Market-driven growth opportunities Upside
More informationClient Guide. PACIFIC INDEXED PROTECTOR 2 Indexed Universal Life Insurance FAMILY. Pacific Life Insurance Company 16-5
Client Guide PACIFIC INDEXED PROTECTOR 2 Indexed Universal Life Insurance FAMILY BUSINESS RETIREMENT ESTATE Pacific Life Insurance Company 16-5 THE FLEXIBILITY OF CASH VALUE LIFE INSURANCE 02 FINANCIAL
More informationFG Life-Elite. Fixed Indexed Universal Life Insurance Consumer Brochure
FG Life-Elite Fixed Indexed Universal Life Insurance Consumer Brochure ADV 1311 (09-2012) Fidelity & Guaranty Life Insurance Company Rev. 06-2016 16-355 FG Life-Elite Fixed Indexed Universal Life Insurance
More informationNationwide YourLife Indexed UL Protector. Client guide. Protect your future with confidence. Affordable protection plus growth potential.
Nationwide YourLife Indexed UL Protector Client guide Protect your future with confidence. Affordable protection plus growth potential. Before we get started Be sure to choose a product that meets long-term
More informationLSW FlexLife Indexed Universal Life Insurance
Indexed Universal Life Insurance Prepared on February 9, 2014 for Presented by Connie Dello Buono CA Life Lic 0G60621 1708 Hallmark Lane San Jose, California 95124 408 854-1883 Life Changes. Protect It.
More informationPremier Life Flexible Premium Adjustable Life Insurance Security. Stability. Simplicity.
Premier Life Flexible Premium Adjustable Life Insurance Security. Stability. Simplicity. Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in
More informationPROTECTION. Everything you need to sell Protection UL & Protection SUL SELLER S GUIDE
SELLER S GUIDE PROTECTION Everything you need to sell Protection UL & Protection SUL LIFE-5256 8/16 THIS MATERIAL IS FOR AGENT USE ONLY. NOT FOR DISTRIBUTION OR USE WITH THE PUBLIC. Table of Contents Meet
More informationProtection That Offers Selection To Fit Your Lifestyle! More Choices More Control!
Protection That Offers Selection To Fit Your Lifestyle! More Choices More Control! 45 85 Consumer Brochure A Flexible Premium Life Insurance Policy with Equity Index Options Policy Form ICC15 01-1143-15
More informationNautilus Advantage. Universal Life and Survivorship Universal Life
Nautilus Advantage Offered Exclusively by Member Agents of The Nautilus Group, A Service of New York Life Insurance Company Offered exclusively by Nautilus Member Agents Nautilus Advantage A permanent,
More informationPRODUCER GUIDE PROTECTION. JOHN HANCOCK TERM Take center court GUARANTEES. LEVEL PREMIUMS. FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC.
PRODUCER GUIDE PROTECTION JOHN HANCOCK TERM Take center court GUARANTEES. LEVEL PREMIUMS. FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC. PRODUCER GUIDE TERM 2 Term Life Insurance Features and Benefits
More informationLife Insurance in Retirement Planning HOW PERMANENT LIFE INSURANCE CAN HELP MEET YOUR DEATH BENEFIT NEEDS AND ENHANCE YOUR RETIREMENT.
Life Insurance in Retirement Planning HOW PERMANENT LIFE INSURANCE CAN HELP MEET YOUR DEATH BENEFIT NEEDS AND ENHANCE YOUR RETIREMENT. 0251133 Ed. 07/2017 0251133-00007-00 Exp. 07/07/2018 Did You Know?
More informationFG Life-Elite. Fixed Indexed Universal Life Insurance Consumer Brochure
FG Life-Elite Fixed Indexed Universal Life Insurance Consumer Brochure ADV 1311 (09-2012) Fidelity & Guaranty Life Insurance Company Rev. 10-2013 13-146 FG Life-Elite Fixed Indexed Universal Life Insurance
More informationStrength and stability.
Strength and stability. Nautilus Advantage Universal Life and Survivorship Universal Life Offered Exclusively by Member Agents of The Nautilus Group A Service of New York Life Insurance Company A lifetime
More informationAllianz Command Provider SM Annuity Statement of Understanding
Allianz Life Insurance Company of North America PO Box 00 Minneapolis, MN -000 00.0. Allianz Command Provider SM Annuity Statement of Understanding Thank you for considering the Allianz Command Provider
More informationMulti Choice. Indexed. Single Premium Life. Consumer Product Guide /10
Multi Choice Indexed Single Premium Life Consumer Product Guide 15677 7/10 Multi Choice Indexed Single Premium Life Table of contents Why MC Indexed Single Premium Life 2 SPL checklist 3 How life insurance
More informationEclipse Indexed Life
Life Insurance Policy Illustration Eclipse Indexed Life Prepared For Meredeth Williams Presented By SHAWN MICHAEL BRAGDON February 19, 2010 Minnesota Life, founded in 1880, is highly rated by the major
More informationAdvanced Markets Success Strategy The Cross Endorsement Buy-Sell Arrangement
Success Strategy The Cross Endorsement Buy-Sell Arrangement Many closely held businesses do not make formal plans to transition the business in the event of the premature death or disability of a business
More informationfor a secure Retirement Traditions Gold (ICC11 IDX4)* *Form number varies by state.
for a secure Retirement Traditions Gold (ICC11 IDX4)* *Form number varies by state. Where Will Your Retirement Dollars Take You? RETIREMENT PROTECTION ASSURING YOUR LIFESTYLE As Americans, we work hard
More informationLooking out for tomorrow
Consumer Guide AG VisionAdvantage 7 Annuity AG VisionAdvantage 9 Annuity Index single-premium deferred annuity with AG Lifetime Income Builder, and Market Value Adjustment Looking out for tomorrow This
More informationGuarantee Builder IUL (Guideline Premium Test) A Universal Life Insurance Policy Illustration EXPLANATION OF POLICY ILLUSTRATION
EXPLANATION OF POLICY ILLUSTRATION THIS IS AN ILLUSTRATION ONLY. AN ILLUSTRATION IS NOT INTENDED TO PREDICT ACTUAL PERFORMANCE. INTEREST RATES, DIVIDENDS AND VALUES SET FORTH IN THE ILLUSTRATION ARE NOT
More informationUnderstanding Indexed Universal Life Insurance
Understanding Indexed Universal Life Insurance Consumer Guide Table of Contents Overview... [ 2 ] Indexed Universal Life Insurance... [ 2 ] What is Indexed Universal Life Insurance?... [ 2 ] How North
More informationFG Life-Elite SM. Fixed Indexed Universal Life Insurance Consumer Brochure
FG Life-Elite SM Fixed Indexed Universal Life Insurance Consumer Brochure ADV 1019 (01-2011) Fidelity & Guaranty Life Insurance Company 11-048 Rev. 03-2011 FG Life-Elite SM Fixed Indexed Universal Life
More informationUNCAP LIFE S POTENTIAL A
Indexed Universal Life Insurance Balanced Growth Advantage UNCAP LIFE S POTENTIAL A policy that gives credit when credit s due Insurance products are issued by Minnesota Life Insurance Company in all states
More informationan innovative life insurance solution that rewards healthy living
an innovative life insurance solution that rewards healthy living Vitality refers collectively to the benefits provided by John Hancock s Healthy Engagement feature. The Vitality Group is the company that
More informationA Life Insurance Solution Offering Guaranteed Protection with the Flexibility to fit your own needs! More Choices - More Control!
Consumer Brochure A Flexible Premium Life Insurance Policy with Equity Index Options Policy Form 01-1143-07 and state variations thereof. Funded by: A Single Premium Immediate Life Annuity Policy Form
More informationan innovative life insurance solution that rewards healthy living
an innovative life insurance solution that rewards healthy living JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) Vitality refers collectively to the benefits provided by John Hancock s Healthy Engagement
More informationNationwide Marathon Indexed UL. Client guide. Find balance in life
Nationwide Marathon Indexed UL Client guide Find balance in life Before we get started Be sure to choose a product that meets long-term life insurance needs, especially if personal situations change for
More informationJohn "Lifetime" Boomer. Michael J. Prestwich ImagiSOFT, Inc. PO Box Albuquerque, NM (877)
Prepared for: John "Lifetime" Boomer Illustration Date: April 5, 2011 Prepared by: Michael J. Prestwich ImagiSOFT, Inc. PO Box 13208 Albuquerque, NM 87192 (877) 510-4702 An illustration to help you securely
More informationA more secure retirement WHENEVER YOUR CLIENT DISCUSSIONS TURN TO RETIREMENT PLANNING,* there s no doubt that one of the key concerns you will hear is
Using Life Insurance for Supplemental Retirement Income LIFE-9293 8/17 JOHN HANCOCK PLAYBOOK A more secure retirement WHENEVER YOUR CLIENT DISCUSSIONS TURN TO RETIREMENT PLANNING,* there s no doubt that
More informationFG Life-Elite. Fixed Indexed Universal Life Insurance Consumer Brochure
FG Life-Elite Fixed Indexed Universal Life Insurance Consumer Brochure ADV 1311 (09-2012) Fidelity & Guaranty Life Insurance Company Rev. 05-2018 18-0448 FG Life-Elite Fixed Indexed Universal Life Insurance
More informationGuarantee Builder IUL3 - Cash Value Accumulation Test. Gary
Prepared for: Presented by: North American Company North American Company 525 W. Van Buren Chicago, IL 60607 312-648-7600 THIS IS AN ILLUSTRATION ONLY. AN ILLUSTRATION IS NOT INTENDED TO PREDICT ACTUAL
More informationProducers Guide. A dual strategy for life insurance protection and opportunities for future supplemental income.
Producers Guide A dual strategy for life insurance protection and opportunities for future supplemental income. Symetra Accumulator IUL Indexed Universal Life Insurance LIM-1411 4/18 AGENT AND ADVISOR
More informationPreserve what you spent a lifetime creating
An Overview Guide for Consumers Preserve what you spent a lifetime creating A look at Survivorship Whole Life insurance insure Insurance invest Strategies retire 3 Life insurance that works as hard as
More informationAssured Income 7 SM Fixed Index Annuity. Delaware Life. Plan for your retirement lifestyle. Issued by Delaware Life Insurance Company
Assured Income 7 SM Fixed Index Annuity Plan for your retirement lifestyle Issued by Delaware Life Insurance Company NOT FDIC/NCUA INSURED MAY LOSE VALUE NO BANK/CREDIT UNION GUARANTEE NOT A DEPOSIT NOT
More informationAdvanced Markets The Cross Endorsement Buy-Sell Arrangement
The Cross Endorsement Buy-Sell Arrangement Many closely held businesses do not make formal plans to transition the business in the event of the premature death of a business owner, the lifetime transfer
More informationPRODUCT GUIDE. The SOLUTION Before life presents the problem. fixed indexed annuity. Oxford Life Select SERIES S-SERIES A M BEST
PRODUCT GUIDE Oxford Life Select SERIES fixed indexed annuity Financial Strength Rating A M BEST A- Excellent *Effective as of 5-26-2016. For the latest rating, access www.ambest.com A.M. Best assigns
More informationHelp protect your future and save for the unexpected
Life insurance Help protect your future and save for the unexpected Principal Indexed Universal Life Flex II SM BB12042 What financial goals do you have? Protecting your family or business Replacing your
More informationWealth Transfer Planning
Wealth Transfer Planning Advanced Markets Client Guide Repositioning assets to maximize wealth. John Hancock Life Insurance Company (U.S.A.) (John Hancock) John Hancock Life Insurance Company of New York
More informationUnderstanding Interest Crediting
Understanding Interest Crediting ON INDEXED UNIVERSAL LIFE INSURANCE (IUL) Products issued by National Life Insurance Company Life Insurance Company of the Southwest This material must be accompanied by
More informationHighlights, features and benefits John Hancock Term with Vitality
PRODUCER GUIDE Highlights, features and benefits John Hancock Term with Vitality LIFE-5940 9/18 John Hancock Term with Vitality This product offers the unique combination of affordable protection, along
More informationUnderstanding Indexed Universal Life Insurance
Understanding Indexed Universal Life Insurance Single Life Consumer Brochure 295NM-A 4/18 295NM-A 4/18 2 Table of Contents Overview... 4 Indexed Universal Life Insurance... 4 What is Indexed Universal
More informationVariable Universal Life Insurance Policy
May 1, 2017 State Farm Life Insurance Company P R O S P E C T U S Variable Universal Life Insurance Policy prospectus PROSPECTUS DATED MAY 1, 2017 INDIVIDUAL FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE
More information