Page 20 - Weinberg & Schwartz 2024
P. 20
U
Underwritten by: :yb nettirwredn
A
AMERICAN NACIREM
H
HERITAGE LIFE EFIL EGATIRE
I INSURANCE ECNARUSN
COMPANY YNAPMO
C † †
W o a r u s n I e f i L e l e c n
h
Whole Life Insurance
P v d i b h s a c a s e e n y o t y l t c e r i d t i f e o b r u e n y r a i c i f e
r Pro
ovides a cash benefit directly to your beneficiary
H
T I N A K B O U T T H S I
THINK ABOUT THIS
R 4 % o a m w s e i l i o e c a f d l u O r h h . S . U f o f l a o e s u h y l e r s d l o
f
Reasons for purchasing life efil gnisahcrup rof snosae
2
f
e
42% of families would face
Ov
ver half of U.S. households rely
coverage include: replace
c e a r g u l c n i e d e r l e c a f a h l a i c n x i s n i h t i w p i h s d r a o d u o c n i l a m s e ( 4 % ), a dn r o f ,
p
n
e
v
o
5
i financial hardship within six
n on dual incomes (54%), and, for
†† 2
o
5
i income, final expenses, wealth htlaew ,sesnepxe lanif ,emocn m n a , s h t n d 2 % w u r e f f u s d l m y n i s o l , o g n o c n i e m o c e b d l u e
o
n
a
months, and 25% would suffer
many, losing one income could be
t transfer and mortgage payoff. ffoyap egagtrom dna refsnar 1 † f a a n i h t i w y l l a i c n m o h t n † 1 d a n i t a t s h o t g o e s u h n i f d l o a s e c n
n
v
i financially within a month.
e devastating to household finances.
W p l
With an unexpected death — you don’t want to leave behind financial obligations. Whole Life Insurance from Allstate Benefits eh nac stifeneB etatsllA morf ecnarusnI efiL elohW .snoitagilbo laicnanif dniheb evael ot tnaw t'nod uoy — htaed detcepxenu na hti
o
y u a f r m h t e z i l a e r y l i g e a s l a o n a e r d d m o y s h s u e r a o t d h t e g a , r e n b d u l a v h s a c s d l i u o y e a c u a r d n o w w n . e v i l a l l i t s e l i h
can help your family realize the goals and dreams you shared together, and builds cash value you can draw on while still alive.
o
W
t I w
e
n i t c e
Y g
o
n i F r u
o
H s '
e
a
H e’s How It Works s k r o P tecting Your Finances s e c n M e n i t Y g o N r u e e d s
Meeting Your Needs
re
Her
r Prot
n i h
e e t n
b e v a
e
u
g - y l l u f a d
L
a r a
t
i
h t e g a r e v o c e
h t t c e l
g i r s ' t a
S
r o f t h
•
• e Select the coverage that’s right for W h a l p n n i n h t , g d e b h t a e e n a c t i f e n • e Fully-guaranteed death benefit d d h t a e
•
With planning, the death benefit can
p s
m
m
e r p ( t i f e
a y a
u i
e (pr
y u a n o y d a f r u m * * y l i p s o y o t b r u e n o r f e e r f s e i r a i c i f e m b nemiums payable to age 95) 9 e g a o t e l b ) 5
s
o you and your family*
a pass to your beneficiaries free from
a
t state or federal taxes. Consult with
u s - p
f
I •
m
u l a , 1 2 1 e g a o t e v i l u
o y
m
T
r u
o y , y a
o y f i n
e
p u
w
a s s a
•
• h Then if you pass away, your s t e f r o e d C . s e x a t e t a t s e l a r e o t l u s n • If you live to age 121, a lump-sum
t
i your tax advisor for specifics.
maturity benefit is paid
t
a
d i g n e t a b d e n i a l c a s e l i f y r a i c i f e m w h o y a x a t r u p s r o f r o s i v d . s c i f i c e m u b y t i r e n p s i t i f e d i a
s
e beneficiary files a claim
•
b y a
e r e v o c e
) n
C d
S
n
m
a e s u
e r ( d l i h
o
T
• h u l a e v i e c e r y e m u s - p m h s a c • p Spouse and children covered through d
• A lump sum cash benefit is direct
a separate certificate or rider**
e
b n h c a i v t i f e d t c e r i d r o k c e e p o t t i s o Practical benefits • f d r o f a e r p e l b m u i m s
deposited or a check is mailed and
A
e
b u e s h d o w h t r e v e h s i w y e for everyday living.® • Affordable premiums
can be used however they wish
† Allstate Benefits is the marketing name used by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation. 2021 Insurance Barometer Report,
1
LIMRA. U.S. Bureau of Labor Statistics, Consumer Expenditure Survey, ibid. *You may be required to answer health questions at enrollment. Coverage may be available with
2
* l l B e t a t s e h t s i s t i f e n e m n i t e k r a a n g m A y b d e s u e m H n a c i r e C e c n a r u s n I e f i L e g a t i r e o m u s a , y n a p T f o y r a i d i s b C e t a t s l l A e h p r o o i t a r o . n 2
A
reduced underwriting through your employer during your initial enrollment period. If you enroll after your initial enrollment period, answers to health questions are required. ,tropeR retemoraB ecnarusnI 120
†
**Coverage for spouse and child(ren) may be limited to a percentage of the employee’s face amount in some states. htlaeh rewsna ot deriuqer eb yam uoY*
I
L M R . A U .S. B b a L f o u a e r u C , s c i t s i t a t S r o o u s n m n e p x E r e S e r u t i d . d i b i , y e v r u * q o i t s e u i t t a s n m p a f o e o i t a c i l p . n
††
CA License No: _________________________
J
IW LBMD 1 1 A M 3 1 7 7 8
B
PODXXXXX
GWLBAL