Why Motorists Life par whole life?

Your clients can create a permanent life insurance program with built-in guarantees, saving potential and additional plan flexibility. The guarantees include:

• Lifetime protection: Death benefit is guaranteed for the life of the policy.
• Cash value growth: Guaranteed cash value builds up on a tax-deferred basis, which provides a living benefit for financial needs. These values are available through loan or surrender.
• Accelerated benefit: If terminal illness occurs (doctor prognosis of 12 months or less), the policy advances up to 55% of the amount of coverage up to $100,000.

Dividend options
A par whole life policy also builds dividends that can increase your policyholders’ cash value growth and death benefit potential. Upon enrolling, your client will have a choice of five different dividend options:

• Paid-up additions (purchase paid-up insurance)
• Reduce premium (apply dividend to pay next premium)
• Accumulate at interest (dividends placed into an interest-bearing account)
• Paid in cash
• Term insurance (purchase one-year term up to amount of base policy)

Contact your life regional sales manager today to learn more about par whole life.