Life insurance is one of the only products that can create an immediate estate for you and your family or provide protection from Federal estate taxes that are generally due nine months after death. Today, life insurance is more than just a death benefit, many products include living benefits and the ability to convert a term policy to permanent coverage.


A Review of the Five Most Basic Financial Needs
Coverage amounts should include the most critical, immediate needs, paid in a lump sum and long term requirements, paid in monthly payments to manage the household finances

• Mortgage Payoff – Represents the payoff of the outstanding principal of all mortgage related debt, first trust deeds, second trust deeds, construction, swing loans and pre-payment fees, if any.
  
• Final Expenses – Includes, but is not limited to funeral expenses, legal fees and estate settlement costs.
  
• Debt Consolidation –Represents the payout of all revolving credit card accounts.
  
• Critical Period and Lifetime Benefitrepresents monthly income needs to fund the household budget during the first 3 to 5 years and lifetime benefits to retirement, if necessary.
  
• Education Funding – Represents the immediate funding of a child or children’s education, representing a four year degree and graduate schooling, if planned.

The Freedom to Make an Informed Decision
Vantage Assurance Group is an independent advisory company that specializes in offering a broad range of life insurance products. These innovative products can be applied to Individuals as well as families. Your needs are taken into consideration, then and only then, are the products recommended for your review and purchase.

Examples of Coverage from $250,000 to $10,000,000

Level Term Life for 10, 15, 20 and 30 years – Term Life represents the lowest premium form of insurance and provides a level death benefit with guaranteed premium. This type of coverage is normally purchased for specific periods of time when the policy owner is subjected to additional financial risk. This product has no cash value, whereas all premium payments are directed to purchasing simple coverage. Term life products can include a number of endorsements and options, for example:

• Convertible Term Insurance – Permits the policy owner to exchange the contract with equal or less benefit for a permanent plan without evidence of insurability.
• Terminal Illness Benefit – The policy-owner may become eligible for this benefit if diagnosed by a qualified physician as having 12 months or less to live. Payment of benefits have limits, benefit is reduced by the amount of payment.
• Child Riders – Can be purchased in units of $1000 dollars. Number of units can vary, but generally never exceed 10 per child. Terms and conditions for the children apply.

Term Life – ROP for 15, 20 and 30 Years – – Return of Premium Term life products provide a level death benefit with guaranteed premium. This product has a higher premium rate. Under the return of premium feature, premiums paid, not including substandard and riders will be returned at the end of the term coverage period.

Universal Life – Universal Life is a flexible premium adjustable benefit in a separate account that accumulates cash values. Flexible premium is subject to a minimum level of first year premium payments. The policy owner can generally make additional premium payments above the target premium without prior negotiation or agreement with the insurance company. Universal life offers some very interesting options such as:

• Cash value accumulation features
• A minimum interest rate is guaranteed, but policy funds are also credited with excess interest if earned
• Guaranteed minimum interest rate related to mortality, expense charges and premiums actually paid
• Death Benefit Features. The policy owner may request changes in the death benefit amount (increases require proof of insurability).
• Policy-owners may choose between a level death benefit or an increased death benefit design.
• The policy also permits the policy-owner to make partial withdrawals from the cash value account without incurring any indebtedness.
  

Whole Life – Whole life insurance coverage provides protection for the life of the policy owner and does not have to be converted or renewed. These policies generally endow at age 99, represent a paid-up policy or can be surrendered for the cash value in the policy. Most policies require the policy owner to pay premiums for the life of the contract.

No Obligation to Buy and a Thirty Day Free Look to Review Your Policy
There is no obligation to take out the insurance coverage even after your medical examination. After the policy is issued you will have a 30 day period in which to return the policy and receive a full refund.

Please note that all applicants are subject to field underwriting by the representative and the insurance company. Applicants with pre-existing conditions could be subject to additional underwriting, rated premiums, exclusions, waiting periods and or declined from coverage by the insurance carrier.

Insurance products are offered through Vantage Assurance Group DBA Venue
Insurance Agency a California Licensed Insurance Agency Number 0C17317
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Put the Power of Independence to Work for You
Call 800-393-3838 or e-mail wecanhelp@insurancevenue.com today for an initial consultation without obligation.