Protection and cash back — That's a return of premium term life insurance policy
You want to help protect your loved ones from financial hardship if you can't be t在这里 for them. 这就是人寿pp王者电子官网的意义所在. 但不是终身人寿pp王者电子官网, you may only need to protect your family from long-term expenses such as the mortgage, 孩子的教育, 或者房屋净值贷款.
在这种情况下, 退还保费 定期寿险 insurance from State Farm 人寿pp王者电子官网 Company (Not licensed in MA, NY or WI) or State Farm 生活 and Accident Assurance Company (Licensed in NY and WI) might be just what you need. It offers a level premium payment term of 20 or 30 years, whichever you choose. 如果你活过了保费支付期, you'll get all the policy premiums you've paid back at the end of the term.1 A guarantee like that makes it easier to give your loved ones the financial protection they need.
资格
| 任期长度 | pp王者电子官网金额 | 年龄问题 |
|---|---|---|
| 20或30年 | 起价10万美元 | 退还20期保费定期人寿18 - 60;
非烟草保费类别 18 - 55退还保费人寿20; 烟草 & 烟草制品的首选 18 - 45退还保费人寿30 |
| 年 | 溢价 | 报道 | 个人定价 |
|---|---|---|---|
| 20年 | 起价58美元.94/mo*
$677.每年50 |
$250,000 | pg电子官方网页版 |
| 30年 | 起价61美元.57/mo*
$707.每年50 |
$250,000 | pg电子官方网页版 |
*Sample rates are for a 25-year-old female in excellent health in Illinois. 获取报价以查看个人定价. 需要帮助选择保单? 比较政策.
它是如何工作的
Take a look at the return of premium insurance policy that can pay you back:
- 您可以选择20年或30年的初始期限.
- You'll pay a level premium throughout the initial 20- or 30-year policy period.
- 溢价s will be returned to you at the end of the level premium policy term (20 or 30 years) assuming the death benefit has not been paid during initial policy term and all scheduled premiums have been paid.1
- pp王者电子官网费的返还形成现金价值, 在等级溢价期间，您可以以哪一种为抵押借款.2
- You can continue your coverage beyond the level premium period on an annually renewable basis to age 95. 溢价s will increase annually but will never exceed the maximum premium stated in the policy.
- No matter how large your death benefit, it passes to your beneficiaries generally income tax-free.
- 如果你有州立pp王者电子官网公司的汽车pp王者电子官网, purchasing a State Farm 退还保费 定期寿险 insurance policy may entitle you to a discount on your auto premiums with our multi-line discount.
需要终身pp王者电子官网? You are eligible to convert your policy to permanent life insurance coverage and premiums up to age 75, provided your policy is in force at the time of conversion- no matter your state of health.3
自定义策略
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 | 年龄 |
|---|---|
| $5,000 - $20,000 | 在保单签发时未满18岁的儿童符合资格... Policyholder is age 16 — 55 (退还保费 定期寿险 20) Policyholder is age 16 — 45 (退还保费 定期寿险 30) |
帮助s preserve your policy at a time when income may be limited due to a disability. If the base insured becomes totally disabled (as defined in the policy) prior to age 60 for six continuous months, this optional coverage will waive future policy premiums as they become due as long as the insured remains totally disabled. If the base insured becomes disabled between the ages of 60 and 65, this coverage will waive future policy premiums as they become due until the later of the third anniversary after disability and age 65, 只要被pp王者电子官网的基地继续这样残废. This rider coverage automatically terminates on the policy anniversary when the insured is age 65, 除非在此之前发生残疾.
资格
| 年龄 |
|---|
| 0 - 59(保费定期人寿退回20) 0 - 55(保费定期人寿的回报20，烟草 & 烟草制品的首选) 0 - 45(保费定期人寿30的退还) |
pg电子官方网页版
1 The 退还保费 benefit on the base policy is not taxable. Any 放弃残疾保费 Rider premiums returned as part of the 退还保费 benefit may be taxable.
2 Unpaid loans and withdrawals will reduce the guaranteed death benefit, 保单现金价值, 以及任何保费收益的返还. 贷款也会产生利息.
3 pp王者电子官网 policies and/or associated riders and features may not be available in all states, 政策条款和条件可能因州而异.
这只是对pp王者电子官网范围的一般描述. A complete statement of coverage is found only in the policy. For more details on coverage, costs, and restrictions, or to apply for coverage, contact a 当地州立农场代理.
T在这里 are limitations and conditions regarding payment of benefits due to misrepresentations on the application or when death is the result of suicide in the first two policy years.
Each State Farm insurer has sole financial responsibility for its own products.
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,
IL-152.11