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CALICO Insurance
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Term Insurance covers policyholders for a fixed period of time. Term Insurances costs less than whole life policies for everyone except for the very advanced
in age. Term life insurance policies offer insurance protection for a specified term or period of time - typically, one, five, 10, 15, 20 or 35 years, or until a
specific age (such as 65).
Universal Life Insurance provides permanent insurance coverage with greater flexibility in premium payment and the potential for a higher internal rate of
return. Universal life is more flexible than whole life in two primary ways: the death benefit and usually the premium payment are flexible. The death benefit
can be increased (subject to insurability) and decreased without surrendering the policy or getting a new one as would be required with whole life. Universal
life insurance offers policy owners the flexibility to choose both the amount of insurance and the premium to be paid with a range of potential premiums.
Whole Life Insurance, remains in force for the insured's whole life. The primary advantages of whole life are guaranteed death benefits, guaranteed. Whole
life insurance is the most common type of permanent insurance. The policy provides a guaranteed death benefit along with guaranteed cash values. Part of
each premium payment is applied to the policy's cash value account, which grows on a tax-deferred basis.
Variable Universal Life Insurance (VUL) is a unique financial vehicle that provides the security of a death benefit and access to professionally managed
investment options.
VULs Give You Choices
• You choose the amount of life insurance you need.
Change your death benefit amount as your needs change. (Increasing your coverage may require updated health information. Decreasing your coverage
could have adverse tax consequences.)
• Select a premium amount that works for you.
Choose a lower premium, stop premium payments (provided that you maintain sufficient value in your policy to keep it from lapsing), or pay higher premiums
to potentially maximize cash value accumulations.1
• Pick the investment options that match your financial strategy.
Work with your registered representative to determine your risk tolerance and select the appropriate investment options that provide you with return potential
while matching your risk profile
in age. Term life insurance policies offer insurance protection for a specified term or period of time - typically, one, five, 10, 15, 20 or 35 years, or until a
specific age (such as 65).
Universal Life Insurance provides permanent insurance coverage with greater flexibility in premium payment and the potential for a higher internal rate of
return. Universal life is more flexible than whole life in two primary ways: the death benefit and usually the premium payment are flexible. The death benefit
can be increased (subject to insurability) and decreased without surrendering the policy or getting a new one as would be required with whole life. Universal
life insurance offers policy owners the flexibility to choose both the amount of insurance and the premium to be paid with a range of potential premiums.
Whole Life Insurance, remains in force for the insured's whole life. The primary advantages of whole life are guaranteed death benefits, guaranteed. Whole
life insurance is the most common type of permanent insurance. The policy provides a guaranteed death benefit along with guaranteed cash values. Part of
each premium payment is applied to the policy's cash value account, which grows on a tax-deferred basis.
Variable Universal Life Insurance (VUL) is a unique financial vehicle that provides the security of a death benefit and access to professionally managed
investment options.
VULs Give You Choices
• You choose the amount of life insurance you need.
Change your death benefit amount as your needs change. (Increasing your coverage may require updated health information. Decreasing your coverage
could have adverse tax consequences.)
• Select a premium amount that works for you.
Choose a lower premium, stop premium payments (provided that you maintain sufficient value in your policy to keep it from lapsing), or pay higher premiums
to potentially maximize cash value accumulations.1
• Pick the investment options that match your financial strategy.
Work with your registered representative to determine your risk tolerance and select the appropriate investment options that provide you with return potential
while matching your risk profile
| Life Insurance |