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Ad Disclaimers
SQ- Disclaimer Translation
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Chinese Sina Banner Ads: All policies excellent health and guaranteed 10 years.
所有的定期人壽保險計劃均只適用於健康的身體狀況並保證最少購買期為10年的購買者。
Example policies are OPTerm 10-Year, preferred plus policies. OPTerm 10 issue ages 20-80, 20-70 for WA. Product issued by Banner Life Insurance Company, Rockville, MD.
廣告所述價格適用於OPTerm 10年期的定期人壽保險。適用於20-80歲，20-70歲（限WA州），提供公司為Banner Life人壽保險公司，美國馬里蘭州羅克維爾。
Premium rates vary by coverage amount: $50,000-$99,999, $100,000-$249,999, $250,000-$999,999, $1 million- $1,999,999, $2 million and above. Premiums quoted include $65 annual policy fee. Premiums are guaranteed to stay level for 10 years and increase annually after initial guarantee period.
保險費率會由於購買保險金額的不同產生差異：我們提供不同的保險金額滿足客戶不同的需要：
- $ 50,000 - $ 99,999美元
- $ 100,000 - $ 249,999美元
- $ 250,000 - $ 999,999美元
- 100萬美元到200萬美元
- 200萬美元及以上
保費報價中已包括65美元的年費並保證在10年內維持保費不變，10年後將每年有逐步的費用增長。
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.
OPTerm也向有吸煙歷史的購買者提供了可能但有不同的等級界定:
- preferred plus non-tobacco (為過去36個月內未曾使用過煙草製品)
- preferred non-tobacco(為過去24個月內未曾使用過煙草製品)
- standard plus non-tobacco (為過去12個月內未曾使用過煙草製品)
- 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 10-26-09. Services in Florida provided by Charan J. Singh, licensed agent. Advertising compliance # 09-259.
OPTerm保險提供高至95歲的續期服務，詳見OPTerm policy form #RT-97說明但不適用於全部州別。這裡提供的政策說明不能作為最后合同的條款。
費率標準制定時間：2009年10月26日
在佛羅里達州由Banner Life授權的Charan J. Singh,代理提供服務。廣告＃09-259.
Ad Disclaimers
一個44歲男性每月支付低於$24保費可得到$350,000的保險 - 44歲男性以每月$23.67保費得到$350,000保險的示範保單基於 AIG 的 Select-A-Term10 year (Policy Form 07007), Preferred Plus 保險計劃。該保單計劃由 American General Life Insurance Company 發行, 它是American International Group, Inc. (AIG) 的子公司, 地址為2727-A Allen Parkway, Houston, Texas 77019。
American General Life Insurance Company (American General Life) 將承擔所簽署保單相應的核保風險, 財務責任以及相關輔助事宜。 AIG不為任何在此敘述之保單承擔核保責任。 保單承諾的保障取決於發行保單的保險公司的賠付能力。 American General Life 的業務範圍不包括紐約州。 其保單及附件並非所有州都可以購買。
此範例僅作為示範之用。
該保費計算基於1/16/2009的費率; 各州費率可能不同。 其他費率、年齡、 付款計劃的保費詳情可供索取。 保費計算將基於每個投保人提供的資料所証明的可保性。 鎖定保費期限結束後續簽計劃, 保費會增加。總額固定的死亡保險金可選擇一次性提取或分期提取。 如在保單生效2年內被發現申請材料虛假或有隱瞞, 保險公司可能會重新審核該保單。 除投保人在保單生效2年內自殺身亡以外的任何死亡, 死亡保險金將全部發放。 如投保人在保單生效2年內自殺身亡, 保單僅歸還已付保費。
Non Tobacco 是指在過去60個月內沒有以任何方式接觸煙草以獲准 Preferred Plus 保險計劃, 36個月無煙草接觸為 Preferred 計劃, 24個月無煙草接觸為 Standard Plus 計劃, 以及12個月無煙草接觸為 Standard 計劃。申請表格及保險計劃可能各州有所不同。 所有費率計算基於投保人的被保條件。
Robert TV Ad: 一個46歲男性, 健康狀況良好, 每月支付低於$25保費可得到$350,000的保險, 並且該保費可以鎖定10年。
保單範例為46歲男性, 每月支付低於$25購買到價值$350,000的定期人壽保險。該保單基於OPTerm 10-Year, Preferred Plus 計劃。 OPTerm 10 issue ages 20-80, 20-70 for WA。 它由位於 Rockville, MD 的 Banner Life Insurance Company 推出。保費計算基於保險金的數額: $100,000-$249,999, $250,000-$999,999 或 $1百萬以上。保費報價包括$50的年費。 保費可以鎖定10年, 鎖定保費期限結束後續簽計劃, 保費會逐年增加。符合 OPTerm 保險計劃的為 preferred plus non-tobacco(36個月無煙草接觸), preferred non-tobacco (24個月無煙草接觸), standard plus non-tobacco or standard non-tobacco (12個月無煙草接觸) 以及 standard tobacco classes。 保險計劃可續簽至95歲。OPTerm 保險計劃申請表格為#RT-97， 並非所有州都可以購買。 此保險計劃並非合同文本。 保費計算基於12/15/2008的費率。 Florida 的保險服務由執照經紀Charan J. Singh 担當。 Advertising compliance 08-107。
一名44 歲男性，$350,000，10 年平均供款定期人壽保險，每月少於$29 -
此報價適用於44 歲不吸煙男性，屬於本公司之 Preferred Best 保險類別。是否提供保險及費率將隨申請人符合核保標準而異。如閣下保持該保險單至最初的平均保險費期之後 (此處為10 年期) ，保險費將逐年增加至95 歲 (紐約州為80 歲)。我們可接著増加保險費，但不超過每年一次，而金額將不會高於本保單規定的上限。Term Essential 保險的表格編號為 PLTIC-2008。 由 Pruco Life Insurance Company 發行，及於紐約州及新澤西州由 Pruco Life Insurance Company of New Jersey 發行，此兩間公司均設於 新澤西州 Newark。上述各公司將全部負責該公司之財務狀況及有關合約責任。發行商將有權質疑該保單之不實陳述及採用自殺條款。
有關合約及其他法律文件，以及其他協議書與保持保單有效的資料將採用英文。附加資料亦可能採用英文。
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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