Are you seeking an innovative way to grow your portfolio amid today’s volatile markets, high inflation, and
high-fee investments?
The Transamerica Structured Index Advantage Annuity offers growth potential and
investment protection in a cost-effective solution to help make your financial future more predictable, so
you can live your best life.
Executive Bonus Plans can be an effective way to reward selected
employees or owners while providing tax deductions for employers.
Using an Executive Bonus Plan, companies can provide their key
executives or owners growing cash values in the form of company paid
cash-value accumulation insurance policies.
Small business owners put maximum effort into establishing and running their business, but are they taking the right steps to make sure the business can survive the unexpected death of a key employee? The sudden departure of a key employee could be catastrophic to a company — not because the owner did anything wrong, but because they did not do enough.
There are many misconceptions surrounding how long-term care expenses can be covered. One important step in creating a plan is to
know what your funding options really are:
Does not cover long-term care expenses
Covers up to only 100 days if qualifiers, such as a 3-consecutive day hospital stay under treatment, are met; the first 20 days are covered 100%, but after that, there is a significant co-pay
Covers long-term care expenses for
individuals with countable assets of $2,000 or less (varies by state); care may be limited to a nursing home
Many people might assume that their adult children will care for them later in life, but this can present huge financial, physical and emotional challenges for the children
Using income and savings or selling assets might be an option; however, it may leave a surviving spouse with fewer financial resources or reduce a legacy planned for heirs
LTC coverage can be a cost-efficient way to help protect yourself and your assets from the potentially high cost of long-term care
Optional living benefit riders can provide early access to your policy’s death benefit, should the insured
experience a qualifying chronic, critical, or terminal illness
such as a stroke, cancer, heart attack, or paralysis.
The Critical Illness Rider allows access to a portion of the death benefit if you are diagnosed with a
qualifying critical illness. This rider must be elected at the time of application.
The Chronic Illness Rider allows access to a portion of the death benefit and provides a benefit payment if you are diagnosed with a qualifying chronic illness.
This rider must be elected at the time of application.
Should you receive a terminal illness diagnosis, it allows access to a portion of the death benefit while you are alive. This rider is automatically included in your policy.
If you become disabled, it waives the monthly premiums for the duration of the disability by applying the rider benefit shown in the policy’s premium payment.
The IPO allows you to structure the death benefit to fit the short and long-term needs of your family. Choose an initial lump sum, a guaranteed monthly income stream for up to 25 years, a final lump sum, or a combination of the three.
An initial lump sum could be used to cover funeral
expenses, a monthly payout could help cover monthly bills or child care, and a final lump sum could help
your spouse during retirement.
Allows you to increase your life insurance coverage, at certain intervals, without the need for additional underwriting
Provides you with additional level term insurance
coverage at term insurance rates
Provides fixed-rate term insurance coverage for children, between the ages of 15 days and 18 years
Pays the face amount of the rider if your death is the result of an accidental bodily injury
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