Plan ahead with universal life insurance
万能人寿pp王者电子官网是一种永久pp王者电子官网，允许您灵活地定制满足您需求的pp王者电子官网范围和保费.
Universal life
资格
| Premium Duration | 一生 |
|---|---|
| Coverage Limits | Starting at $25,000 for ages 0 to 17 Starting at $50,000 for ages 18 to 54 Starting at $25,000 for ages 55 to 85 |
| 年龄问题 | 0-85 |
- 灵活性-您可以根据最低限额来决定保费支付金额.
- 你的保费(扣除费用后)会加到你的账户价值中.
- 每个月, the cost of insurance for the policy and any riders, 每个月的费用都会从你的账户中扣除.
- Interest is credited to your account value; the current interest rate may change monthly, 但永远不会低于您购买保单时所规定的保证费率.
- The cash value grows tax-deferred. Cash values can be accessed during your lifetime.1
- 无论你的死亡抚恤金有多大，它通常都是免税的.
Death benefit options
选项1
提供与您选择的基本人寿pp王者电子官网金额相等的死亡抚恤金.
选项2
根据您的保单帐户价值提供死亡抚恤金. 你的死亡赔偿金是人寿pp王者电子官网金额加上保单账户价值.
Customize your policy
Insure your insurability! Buy additional amounts of insurance, on specific option dates, without a medical exam, at standard rates. 当你结婚或为人父母时，你可能会行使下一个可用的选择. 若要添加此附加条款，必须在保单中包含“放弃残疾保费附加条款”. 选择年龄分别为17岁、22岁、25岁、28岁、31岁、34岁、37岁、40岁、43岁、46岁和49岁.
资格
覆盖范围: 25,000元至100,000元(不得超过基本计划的金额)
年龄: 0–37
Suppose you couldn't care for yourself. 如果你可以利用你的人寿pp王者电子官网来支付你需要的护理费用呢? 此附加条款使被pp王者电子官网人能够在被pp王者电子官网人患有慢性病并接受合格的长期护理服务时，每月加速支付部分保单的死亡赔偿金，并免除每月的扣减, subject to a 90-day elimination period.
资格
覆盖范围: 每月最高赔偿金额为索赔时死亡赔偿金的2%, subject to maximums imposed by the Internal Revenue Code.
年龄: 20–75
了解更多 about Flexible Care Benefit Rider
pg电子官方网页版
1 每年只允许提取四次(每次最低500美元). Surrenders may be subject to a surrender charge. 未偿还的贷款和提款将减少死亡赔偿金和保单的现金价值. 提款也会减少保单账户价值/现金退保价值. Loans accrue interest.
pp王者电子官网范围的增加受到承保和保单限制. Decreases in coverage are subject to policy limits.
This is a general description of coverage. 完整的承保范围只有在pp王者电子官网单中才能找到.
For more details on coverage, 成本, 限制, and renewability, or to apply for coverage, contact your local State Farm agent.
pp王者电子官网政策和/或相关的附加条款和功能可能无法在所有州提供, and policy terms and conditions may vary by state.
Securities are not FDIC insured, are not bank guaranteed and are subject to investment risk, including possible loss of principal.
出具:
州立农场人寿pp王者电子官网公司(未在马萨诸塞州，纽约州或威斯康星州获得许可)
State Farm人寿及意外pp王者电子官网公司(在纽约州及威州持牌)
首页 Office, Bloomington, Illinois
每家pp王者电子官网公司对自己的产品负有财务责任.
IL–203