联合万能人寿pp王者电子官网
Joint 万能人寿pp王者电子官网 is a flexible, economical way to help provide for two individuals' life insurance needs with one policy, 以一个价格.
找一个经纪人，让他给你写一份生活报价
If you are interested in this type of life product, please contact a State Farm®代理.
The 联合万能人寿 policy can help assist in planning for the following needs:
- Preserving 生活style — 生活 insurance can help provide the funds needed to help keep and maintain lifestyle choices.
- 业务 transition planning — 生活 insurance can help provide the funds for an orderly transfer of business interests between two owners.
- 获得账户/现金价值-随着时间的推移, the account value can be accessed via a policy loan or withdrawal to help with education expenses, 提供退休补助, 或者其他个人目标. It's important to know that unpaid loans and withdrawals will reduce the death benefit and account value/cash surrender value. 此外，贷款还会产生利息.
资格
| 溢价持续时间 | 一生 |
|---|---|
| 报道 | 起价10万美元 |
| 年龄问题 | 18-85 |
自定义策略
Add even more value to your policy by buying any of these optional riders. A 州立农场代理 can help you customize a policy to meet your needs.
Provides additional coverage on either insured until age 95. This coverage must be applied for and purchased by each respective insured. This rider is convertible until age 75 to any 整个人生 plan that is available when conversion occurs.
资格
| 报道 | 最低100000美元 |
|---|---|
| 年龄问题 | 18-90 |
Provides temporary insurance for eligible children up to the earlier of age 25 or until you turn 65. Just one rider can provide up to $20,000 in coverage for each eligible child in your family. You can purchase up to five times the amount of 儿童学期骑行 coverage on the eligible child's 18th birthday and the rider can be converted to permanent insurance for up to five times the amount of coverage when the child turns 25.
资格
| 报道 | $5,000-$20,000 |
|---|---|
| 年龄 | Children born after the rider is issued and any children under age 18 at policy issuance pg电子官方网页版年龄16-55岁 |
帮助s preserve your policy at a time when income may be limited due to a disability. This optional rider waives the monthly deductions of the entire policy for a total disability, 在策略中定义. Waiver of Monthly Deduction for 残疾 can be purchased on either or both insureds; however, no additional benefit is paid if both insureds are totally disabled.
资格
| 年龄 | 18-59 |
|---|
确保你的可保性! 购买额外的pp王者电子官网, 具体的期权日期, 没有体检, 按标准费率计算. When you marry or become a parent, you may exercise the next available option. Waiver of Monthly Deduction for 残疾 must be included on both insureds to add this rider. Option ages, based on the older insured, are ages 22, 25, 28, 31, 34, 37, 40, 43, 46, and 49.
资格
| 报道 | $50,000-$100,000 |
|---|---|
| 年龄问题 | 18-37 |
Ask your agent for more information about these optional benefits.
pg电子官方网页版
Disclousures
With 联合万能人寿 it is possible that coverage will expire when either no premiums are paid following the initial premium or subsequent premiums are insufficient to continue coverage.
For more details on coverage, costs, restrictions or to apply for coverage, contact your local 州立农场代理.
pp王者电子官网 policies and/or associated riders and features may not be available in all states, and policy terms and conditions may vary by state.
Only four withdrawals are allowed per year ($500 minimum per withdrawal). Surrenders may be subject to a surrender charge. Unpaid loans and withdrawals will reduce the death benefit and the policy's cash value. Withdrawals also will reduce the policy account value and cash surrender value. 贷款计息.
Changes in policy coverage amounts are subject to policy limits. Increases are subject to underwriting and may require additional premium. Decreases in coverage are subject to policy limits.
This is only a general description of coverage. A complete statement of coverage is found only in the policy.
证券不受FDICpp王者电子官网, are not bank guaranteed and are subject to investment risk, 包括可能的本金损失.
State Farm 人寿pp王者电子官网 Company (Not licensed in MA, NY or WI)
State Farm 生活 and Accident Assurance Company (Licensed in NY and WI)
布卢明顿,
Each State Farm insurer has sole financial responsibility for its own products.
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