Adding a term rider can make a big difference for the people who depend on you.
It doesn't always take major changes or life events to make your coverage fall short. Consider your current coverage amount, and some of the things your loved ones may need funds for. Your coverage could be too low — especially with any changes in your finances and the cost of living going up over time. It's easy to see why adding a term rider might be a smart move for you and your loved ones.
获得双倍的保险金额 ... 或者选择适合你的.
You know what works best for you, your loved ones, and your budget. So choose the added amount that makes the most sense for your unique needs.
申请很容易——不需要体检，只需要健康信息.
你可以在几分钟内申请，全部在家里. 接受与否取决于你对几个健康问题的回答, 以及您提供或允许十大正规网赌软件获取的其他信息.
它和你目前的定期保险一起列在账单上. 一种易于管理的付款方式.
为了让事情变得简单, the added premium will be billed right on the same invoice or automatic payment you currently pay. Rate increases for the rider also occur at the same five-一年 age bands as your existing term coverage.
一直到80岁. 或者用它换一辈子，直到你活着.
This added group protection is designed to be there when you're likely to need it most. 只要按时交保险费就行了, make sure your application doesn't have any material misrepresentations about your medical history, 并保留你目前的定期保险.
需要更长时间的额外保险? Exchange it for permanent life insurance at any time, and you can keep it for life. 您的费率将根据您当时的年龄而定.
获得您可以依赖的重要的附加覆盖功能.
This rider includes an accelerated benefit that lets you get up to half your benefit amount if diagnosed with a terminal illness and given a life expectancy of 24 months or less.1 And it provides a waiver of premium for certain qualified nursing home confinements ordered by your doctor. Your premiums will be waived after 180 consecutive days of a doctor-ordered nursing home stay.2
马上申请
有关定期车友保障Plus的问题? 看到十大正规网赌软件的 常见问题 对的答案.
排除: If death results from suicide within the first two 一年s, benefits will not be paid. Missouri and North Dakota residents: The suicide exclusion applies only for one 一年. 在华盛顿州，具体的州规定适用.
1生活的好处: Please note that receipt of “living benefit” (accelerated death benefit) insurance proceeds may affect your eligibility for public assistance 项目. 所得款项可能须课税. You may wish to consult your financial adviser and/or attorney to determine how this may affect your personal situation. Premiums will be lower when the benefit amount decreases by one-half.
1佛罗里达和纽约居民: Please note that receipt of “accelerated benefit” insurance proceeds may affect your eligibility for public assistance 项目. 所得款项可能须课税. You may wish to consult your financial adviser and/or attorney to determine how this may affect your personal situation. Premiums will be lower when the benefit amount decreases by one-half.
1德州居民: Death benefits will be reduced if a “living benefit” (accelerated death benefit) is paid. 根据本办法提供的十大正规网赌软件福利的加速 certificate is intended to qualify for favorable tax treatment under the IRC of 1986. If these benefits qualify for favorable tax treatment, the benefits are excludable from your 不受征税的收入. You are advised to consult with a qualified tax advisor about circumstances under which you could receive acceleration of life insurance 联邦法律规定的排除在收入之外的福利. Receipt of acceleration of life insurance benefits could also affect your and your family’s eligibility for public assistance 项目(医疗补助、AFDC、SSI或药物援助). You are advised to consult with a qualified tax advisor and with social service agencies to determine how receipt of 这些福利将影响你获得公共援助的资格. Premiums will be lower when the benefit amount decreases by one-half.
佛罗里达州居民: In order to protect against the unintended cancellation of your life insurance coverage, you have the opportunity to have copies of lapse notices sent to another individual whom you designate. A designation form for this will be included with your Certificate of Insurance. 如果有关年龄或事实的陈述不准确, 十大棋牌网赌软件 will make a fair adjustment of premiums and/or insurance. D. N. 奥格尔是一家为佛罗里达居民提供服务的有执照的佛罗里达代理商.
2 The nursing home must be primarily engaged in providing skilled nursing care under the supervision of a licensed physician. 养老院不包括家庭或 facility used primarily for rest; for the care of drug addicts or alcoholics; for the care and treatment of mental diseases or disorders; or for custodial care.