Life ˇ ˙ ˘ˆ˘ ˆ˛ life in ance - Americo · 2019-07-15 · a’!+%˜) a /˛(-˛#!wl (p)&%˜2...

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Americo AdvantageWL (Policy Series 281), LifeCrest (Policy Series 179), LifeCrest Index (Policy Series 277), and LifeCrest SI (Policy Series 405) are underwritten by Americo Financial Life and Annuity Insurance Company, Kansas City, MO and may vary in accordance with state laws. Some products and benefits may not be available in all states or for all periods. Certain restrictions apply. Consult policy and riders for all limitations and exclusions. For agent use only. Not for public use. 12-236-1(11/12)©Americo Renting versus buying life insurance The Need Many people purchase term insurance because of the reduced price, not realizing there are distinct benefits to permanent coverage that may better meet their needs. As clients age, the cost of life insurance can get more expensive. Some clients may even find that they can no longer qualify for a policy at an advanced age, thus leaving them with no coverage at all. A Solution Permanent life insurance, whether whole life, universal life, or indexed universal life, can provide lifetime protection for your clients, and the advantage of building cash value. Working with your client To help explain the difference between term and permanent policies, use a simple analogy - renting versus buying a home. Purchasing term insurance is similar to renting a home. It is a great solution for people who need temporary coverage, or if budget constraints are a factor. In contrast, purchasing permanent insurance is similar to buying a home. This long-term purchase can provide lifetime protection and cash value growth. This purchase allows clients to take care of immediate needs and plan for the future. Talk to your clients about all of the options - and ask whether renting or buying life insurance works best for them. insurance solutions Life Find a product that fits their needs... If permanent coverage is the best route for your clients, help determine which Americo product best fits their needs. î AdvantageWL: Whole life insurance that works well for clients who are not comfortable with the moving parts of a universal life policy. î LifeCrest ® : Universal life insurance offering a 20-year no-lapse guarantee. î LifeCrest ® Index: Indexed universal life insurance, offering lifetime coverage, growth based on the performance of an index and a guaranteed return of premium feature. This product may work well for mortgage clients who want permanent coverage. î LifeCrest ® SI: Simplified issue universal life insurance, offering a 15-year no lapse guarantee, simplified underwriting.

Transcript of Life ˇ ˙ ˘ˆ˘ ˆ˛ life in ance - Americo · 2019-07-15 · a’!+%˜) a /˛(-˛#!wl (p)&%˜2...

Page 1: Life ˇ ˙ ˘ˆ˘ ˆ˛ life in ance - Americo · 2019-07-15 · a’!+%˜) a /˛(-˛#!wl (p)&%˜2 s!+%!, 281), l%"!c+!,- (p)&%˜2 s!+%!, 179), l%"!c+!,- i( !1 (p)&%˜2 s!+%!, 277),

Americo AdvantageWL (Policy Series 281), LifeCrest (Policy Series 179), LifeCrest Index (Policy Series 277), and LifeCrest SI (Policy Series 405) are underwritten by Americo Financial Life and Annuity Insurance Company, KansasCity, MO and may vary in accordance with state laws. Some products and benefits may not be available in all states or forall periods. Certain restrictions apply. Consult policy and riders for all limitations and exclusions.

For agent use only. Not for public use. 12-236-1(11/12)©Americo

Renting versus buyinglife insurance

The NeedMany people purchase term insurance because of the reduced price, notrealizing there are distinct benefits to permanent coverage that may bettermeet their needs. As clients age, the cost of life insurance can get moreexpensive. Some clients may even find that they can no longer qualify fora policy at an advanced age, thus leaving them with no coverage at all.

A SolutionPermanent life insurance, whether whole life, universal life, or indexeduniversal life, can provide lifetime protection for your clients, and theadvantage of building cash value.

Working with your clientTo help explain the difference between term and permanent policies, usea simple analogy - renting versus buying a home.

Purchasing term insurance is similar torenting a home. It is a great solution forpeople who need temporary coverage,or if budget constraints are a factor.

In contrast, purchasing permanentinsurance is similar tobuying a home. Thislong-term purchase canprovide lifetime protectionand cash value growth. Thispurchase allows clients to take care ofimmediate needs and plan for the future.

Talk to your clients about all of the options - and ask whether renting orbuying life insurance works best for them.

insu

rance

solu

tions

Life

Find a productthat fits theirneeds...

If permanent coverage is thebest route for your clients, helpdetermine which Americoproduct best fits their needs.

î AdvantageWL: Whole lifeinsurance that works well forclients who are notcomfortable with themoving parts of a universallife policy.

î LifeCrest®: Universal lifeinsurance offering a 20-yearno-lapse guarantee.

î LifeCrest® Index: Indexeduniversal life insurance,offering lifetime coverage,growth based on theperformance of an index anda guaranteed return ofpremium feature. Thisproduct may work well formortgage clients who wantpermanent coverage.

î LifeCrest® SI: Simplifiedissue universal life insurance,offering a 15-year no lapseguarantee, simplifiedunderwriting.

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F E AT U R E S F E AT U R E S - gb&d magazine · ˜˚˛˝˚˙ˆ ˇ˘ ˙˝˚˙ˆ gbdmaaine.com F E AT U R E S F E AT U R E S 72 gb&d ˜˚˛˝˚˙ˆ ˇ˘ ˙˝˚˙ˆ 73 P A VING Whitacre

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Quantum Approximate Markov Chains are Thermal · 2 state ˆ ABCis defined as I(A: CjB) ˆ:= S(AB) ˆ+ S(BC) ˆ S(ABC) ˆ S(B) ˆ; (4) with S(X) ˆ:= Tr(ˆ Xlogˆ X) the von Neumann

Quantum Approximate Markov Chains are Thermal · 2 state ˆ ABCis defined as I(A: CjB) ˆ:= S(AB) ˆ+ S(BC) ˆ S(ABC) ˆ S(B) ˆ; (4) with S(X) ˆ:= Tr(ˆ Xlogˆ X) the von Neumann