Xcel UL
Universal life insurance that gives while you live!
Savings
give your clients peace of mind. Yet, the costs of convalescent care,
home care, hospice care, or terminal illness can quickly eat away
at savings that took a lifetime to build.
Xcel
UL is a life insurance plan that lets your clients use up to 100%
of the policy's death benefit amount to pay for such costs.
Xcel UL
turns savings into a larger benefit, so your clients will have more
money when they need it the most--while they're living. And, that
money is available today--they don't have to wait years for savings
to grow.
Since
Xcel UL is a life insurance policy, money grows more efficiently
because:
*Interest
paid on the policy value is not taxed until it's used.
*Loved
ones don't pay income taxes on the proceeds they receive.
Clarica
pays policy owners:
*Four
semi-annual payments for convalescent care, home care, or terminal
illness.
*Two
semi-annual payments for hospice care.
*Any
remaining benefit to beneficiaries income-tax free. If the beneficiary
is a person, they avoid the expense of probate.
Guaranteed
$10,000 Death Benefit
Any portion
of the death benefit not paid will pass to your client's beneficiaries.
If your client receives all of the semi-annual payments and exhaust
the death benefit before death, Clarica will still pay $10,000 to
their beneficiaries. If they don't use the accelerated benefit, your
client's beneficiaries will receive the full death benefit.
Guaranteed
Return of Premium
If your
client decides they do not need or want to keep your Xcel UL policy,
Clarica will return the premium. (Clients should read their Xcel
UL policy to fully understand this guarantee and limitations that
may apply.)
Liquidity
If your
client needs access to money, they can take a policy loan.
Freedom
Xcel UL
provides benefits for home care. Your clients can receive benefits
while staying in the comfort of their own home.
For
the best contract available call ISN Network @ 1-800-338-1892 and
ask for Steve Duntley. For information on ISN Network's new seminar
programs, check our online calendar today.
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