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一个44岁男性每月支付低於$24保费可得到$350,000的保险 - 44岁男性以每月$23.67保费得到$350,000保险的示范保单基於 AIG 的 Select-A-Term10 year (Policy Form 07007), Preferred Plus 保险计划。该保单计划由 American General Life Insurance Company 发行, 它是 American International Group, Inc. (AIG) 的子公司, 地址为2727-A Allen Parkway, Houston, Texas 77019。
American General Life Insurance Company (American General Life) 将承担所签署保单相应的核保风险, 财务责任以及相关辅助事宜。 AIG不为任何在此叙述之保单承担核保责任。 保单承诺的保障取决於发行保单的保险公司的赔付能力。American General Life 的业务范围不包括纽约州。 其保单及附件并非所有州都可以购买。
此范例仅作为示范之用。
该保费计算基於1/16/2009的费率; 各州费率可能不同。 其他费率、年龄、 付款计划的保费详情可供索取。 保费计算将基於每个投保人提供的资料所证明的可保性。 锁定保费期限结束後续签计划, 保费会增加。总额固定的死亡保险金可选择一次性提取或分期提取。 如在保单生效2年内被发现申请材料虚假或有隐瞒, 保险公司可能会重新审核该保单。 除投保人在保单生效2年内自杀身亡以外的任何死亡, 死亡保险金将全部发放。 如投保人在保单生效2年内自杀身亡, 保单仅归还已付保费。
Non Tobacco是指在过去60个月内没有以任何方式接触烟草以获准Preferred Plus保险计划, 36个月无烟草接触为Preferred 计划, 24个月无烟草接触为Standard Plus 计划, 以及12个月无烟草接触为Standard 计划。申请表格及保险计划可能各州有所不同。 所有费率计算基於投保人的被保条件。
Robert TV Ad: 一个46岁男性, 健康状况良好, 每月支付低於$25保费可得到$350,000的保险, 并且该保费可以锁定10年。
保单范例为46岁男性, 每月支付低於$25购买到价值$350,000的定期人寿保险。该保单基於 OPTerm 10-Year, Preferred Plus 计划。OPTerm 10 issue ages 20-80, 20-70 for WA。 它由位於 Rockville, MD的Banner Life Insurance Company 推出。保费计算基於保险金的数额: $100,000-$249,999, $250,000-$999,999 或 $1百万以上。保费报价包括$50的年费。保费可以锁定10年, 锁定保费期限结束後续签计划, 保费会逐年增加。符合OPTerm保险计划的 为preferred plus non-tobacco(36个月无烟草接触), preferred non-tobacco (24个月无烟草接触), standard plus non-tobacco or standard non-tobacco (12个月无烟草接触) 以及standard tobacco classes。保险计划可续签至95岁。OPTerm保险计划申请表格为#RT-97，并非所有州都可以购买。此保险计划并非合同文本。保费计算基於12/15/2008的费率。Florida的保险服务由执照经纪Charan J. Singh担当。Advertising compliance 08-107。
一名44岁男性，$350000，10年平均供款定期人寿保险，每月少于$29 -
此报价适用于44岁不吸烟男性，属于本公司之Preferred Best 保险类别。是否提 供保险及费率将随申请人符合核保标准而异。如阁下保持该保险单至最初的平均保险费期之后(此处为10年期) ，保险费将逐年增加至95岁(纽约州为80岁)。 我们可接着增加保险费，但不超过每年一次，而金额将不会高于本保单规定的上限。 Term Essential保险的表格编号为 PLTIC-2008。由 Pruco Life Insurance Company 发行，及于纽约州及新泽西州由 Pruco Life Insurance Company of New Jersey 发行，此两间公司均设于新泽西州Newark。上述各公司将全部负责该公司之财务状况及有关合约责任。发行商将有权质疑该保单之不实陈述及采用自杀条款。
有关合约及其他法律文件，以及其他协议书与保持保单有效的资料将采用英文。附加资料亦可能采用英文。
IFS-A157206 Ed. 11/08。
This document has been translated from English for your convenience. All applications for coverage and all policies or contracts that may be issued are written in English only. You may request an English version of this document. If there is any discrepancy, the English version is the official document.
A man 44 years old, $350,000 policy for under $24 a month - Example policy for 44 year old, male, 350,000 policy for $23.67 a month is an AIG Select-A-Term10 year (Policy Form 07007), Preferred Plus policy. Policy issued by:
American General Life Insurance Company
2727-A Allen Parkway, Houston, Texas 77019
The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (American General Life) are its responsibility. AIG does not underwrite any insurance policy referenced herein. Guarantees are subject to the claims-paying ability of the issuing insurance company. American General Life does not solicit business in the state of New York. Policies and riders not available in all states.
This sample is used for illustrative purposes only.
Premium rates current as of 1/16/2009; rates may vary by state. Premiums for other rate classes, ages and payment plans are available. Premium charges will depend on each applicant’s evidence of insurability. Premiums increase at the end of the guaranteed term if policy is renewed. Death benefit remains level and is payable in lump sum, or installments, if so elected. The insurance company may contest the policy for two years from date of policy issue for material misstatements or omissions on the application. Death benefit payable from any cause, except suicide within first two policy years. In the event of suicide in the first two years, policy is limited to return of premium paid.
Non Tobacco means no tobacco use of any kind in the last 60 months for Preferred Plus, 36 months for Preferred non-tobacco, 24 months for Standard Plus and 12 months for Standard non-tobacco. Forms and plan provisions may vary by state. All rates are subject to underwriting qualifications.
Robert TV Ad: A man, 46, Excellent Health. 350,000 policy. Under $25 a month. Guaranteed 10 years - Example policy for a 46 year-old male, $350,000 for under $25 a month. This policy is an OPTerm 10-Year, Preferred Plus policy. OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$999,999 or $1 million and above. Premiums quoted include $50 annual policy fee. Premiums are guaranteed to stay level for 10 years and increase annually after initial guarantee period. OPTerm policies can be issued in preferred plus non-tobacco (no tobacco use in past 36 months), preferred non-tobacco (no tobacco use in the last 24 months), standard plus non-tobacco or standard non-tobacco (no tobacco use in past 12 months) and standard tobacco classes. Coverage can be renewed to age 95. OPTerm policy form #RT-97. Not available in all states. Policy descriptions provided here are not a statement of contract. Rates as of 12-15-08. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance 08-107.
A man 44 years old, $350,000, 10-year level term policy for under $29 a month- These rates are for a 44 year old male non-smoker in our Preferred Best underwriting category. Availability and rates will vary based on the satisfaction of underwriting criteria. If you continue the policy beyond the initial level premium period (in this case, 10 years), premiums will then increase annually to age 95 (80 in NY). We can then increase premiums no more than once a year, and they can never be more than the maximum stated in the policy. The policy form number for Term Essential is PLTIC-2008. Issued by Pruco Life Insurance Company, and in NY and NJ by Pruco
Life Insurance Company of New Jersey, both located in Newark, NJ. Each is solely responsible for its own financial condition and contractual obligations. The issuer may have the right to contest the policy for misrepresentation or to apply a suicide clause.
Contractual and other legal documents, and other agreements and policy maintenance information will be in English. Additional materials may also be in English.
IFS-A157206 Ed. 11/08
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This screen has been translated from English for your convenience. All applications for coverage and all policies or contracts that may be issued are written in English only. Click here to request an English version of this screen. If there is any discrepancy, the English version is the official version.
為了方便您的閱讀, 我們已將本頁原文從英文翻譯成中文。所有人壽保險申請表，合約，或保險單都是以英文撰寫的。如要閱讀本頁的英文版本, 請點擊這裡。如果有任何差異，請以官方的英文版本作準。
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