HERE IS WHAT I WOULD WANT IN A LIFE INSURANCE PRODUCT.
 HOW ABOUT YOU?
 1. Price Stability of Premium for the Term of the Life Policy ( be it 20 or 30 years)

2. If I did not die during the policy term I would like my money back.
 
3. I would like to be able to collect the entire face amount of my policy prior to death if I were to be diagnosed with a terminal illness.

4. If I were to have a Heart Attack, Stroke, Cancer, Kidney Failure, Major Organ Transplant, Paralysis, etc. I would like to be able to access at least 50% of my life insurance face amount to offset expenses and maintain my household.
5. I would like an option to include disability income to the policy.

6. I also want ease in application, I don’t have time for medical exams, long meeting with insurance agents etc.

 WELL HERE IT IS!

1.Life face Amount $100,000 for 20 year term. (Available to $200,000 without exam.)
2.$10,480 returned to me if I do not die during the term.
3. $100,000 (face amount) received if diagnosed with 12 month prognosis of a terminal illness.
4.$50,000 (50% of face amount) received if diagnosed with a Heart Attack, Stroke,  Cancer,  Kidney      Failure, Major Organ Transplant, Paralysis, etc.
5.Can add up to $1,500 per month disability income for sickness or accident.
6. No medical exams required. Application can be made with agent over the phone, on-line or in person the choice is yours.

FOR A 40 YEAR OLD MALE

   The premium for such a policy would be $68.27 per month.

Life, Return of Premium, Living benefits with Disability, all at one low price!
How much peace of mind would this offer you at such a small price?
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