Our Voluntary Individual Term Solution
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Cancer and Heart
related
statistics
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Heart disease death
rate per 100,000 people
a) 1950 - 586.8
b) 2001 - 245.8 (58% decrease)
Cancer death rate per
100,000 people
a) 1950 - 193.9
b) 2001 - 194.4 (no change)
Lifetime Probability of developing Cancer - All Types *
a) Males - 1 in 2
b) Females - 1 in 3
Cancer Survival rates - All Types *
a) 1983 - 1985 = 52
b) 1992 - 1999 = 63
(21% increase)
The rate of death by heart disease has dropped significantly the past 50 years. Though
the death rate by cancer has remained unchanged, the survival rate by cancer has increased
21% the past 15 years. Today one of the largest uninsured risk is surviving a major illness.
Lifestyle's built-in Accelerated benefit can provide money to help reduce the costs of surviving a major illness.
* 2004, American Cancer Society
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Our Voluntary Individual Term Solution will increase the quality and competitiveness of your benefit package while maintaining your program expenses!
The Lifestyle and Executive Level Plans will address any limitations in your existing Benefits Program and the premiums will be paid by the participating
employees through payroll deduction. This allows you to offer additional benefits to your employees with no direct cost to you.
Leaders Lifestyle Plan offers...
Portability allows the employee to continue coverage after retirement or termination of employment with no loss of coverage or increase in cost.
Accelerated Benefits pay the insured 30% of the policy death benefit in a lump sum upon the occurrence of one of these major health conditions: Heart Attack, Stroke, Life-threatening Cancer, Cardiac Surgery (including by-pass or Transplant), or upon the diagnosis of any terminal condition with a life expectancy of 2 years or less.
Term Life Insurance to Age 100 offers a guarantee level premium to age 100 and a guaranteed level death benefit for the first 10 years. Thereafter, this participating policy uses dividends to purchase annual term additions. Although not guaranteed, dividends should be sufficient to maintain a level death benefit to age 100.
Affordable Premiums that start at $3.00 per week! The premiums are based strictly on the age of the potential insured and not gender or cigarette usage.
Family Protection is available to employee's spouse, children, and grandchildren. Individual policies or riders may be purchased on spouse or children.
Simplified Underwriting means that there are no medical examinations required for amounts $100,000 and under. Applicants complete a short application with only a few medical questions.
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