Most people don’t want to think about facing a terminal illness like cancer... or being stricken with a critical illness like heart attack or stroke… Ask us about, Life Insurance That Offers Living Benefits AND Death Benefits In One Convenient Solution. Life Insurance you don’t have to die to use.
Trendsetter® LB
Life Insurance you don’t have to die to
use
Hi San Diego Neighbor,
Illness isn’t something we like to think about, but
the reality is that it happens every day. Imagine if you were to suffer from a
heart attack, cancer, or stroke, and continue living. Would you or your loved
ones be able to pay the bills?
While a devastating illness or injury could cause
serious financial impacts, Transamerica’s Trendsetter® LB with
living benefits can help.
The
Trendsetter® LB can give you early access to the policy's death
benefit in the event of a qualifying illness—helping to pay for expenses that a
health insurance policy doesn’t cover, like a mortgage, car payment, or
groceries.
The
Trendsetter® LB offers $25,000 to $2 million in coverage, the
ability to accelerate living benefits, and up to $249,999 without the need for
a medical exam.* Choose from initial guaranteed level term periods
of 10, 15, 20, 25, or 30 years.
Check
out Sarah’s story to see how the Trendsetter® LB can work.
MEET SARAH
At 35, Sarah was thrilled to buy her first home, but she knew she needed life
insurance if something were to happen to her. She purchased a Trendsetter®
LB 30-year term life policy with a $300,000 face amount for just under $$
monthly premiums.** Sarah knew she could access the living benefits
to help pay her mortgage, medical bills, groceries, or any other expenses if
she suffered from a qualifying illness.
Seven
years later Sarah was involved in a serious car accident and was diagnosed with
a chronic illness due to her back injury. After paying just $$$$ in
premiums, she chose to accelerate and receive a cash payout of $24,252.88. She
used the funds to help pay her mortgage and medical expenses. And, there’s
still $227,991 of the death benefit left for her family, should she pass away
too soon.
Planning for life’s unpredictability is a challenge.
Let’s talk about how the Trendsetter® LB can help provide the
protection you’re looking for.
I’ll be in touch within the next few days. In the
meantime, feel free to contact me to get the conversation started.
All the best,
Andy Lopez
Call (858) 549-6758
Fernando Lopez - CA License # 0659888
Mira Mesa San Diego California
*The issuance of the
policy may depend upon the answers to the health questions on the application.
**In this hypothetical
case study, Sarah was approved for the Preferred Plus, Nonsmoker underwriting
class. Premiums will be reduced proportionately and will continue to be payable
on the reduced face amount remaining.
The payouts and results of this example may vary by state. Assumes a
discount rate of 8% (6% in California) and a $350 administrative fee as of
January 1, 2012, that is subject to future increases in the Consumer Price
Index. The discount rate used will be
the greater of the current yield on 90-day U.S. Treasury bills and the Moody's
Corporate Bond Yield.
All guarantees and benefits of the insurance policy are
backed by the claims paying ability of the issuing insurance company.
The agent and/or agency mentioned above is an independent
contractor representing Transamerica Life Insurance Company.
Trendsetter® LB is a term life insurance policy,
Policy Forms ICC16 TL23, TL23 or TL19 REV CA issued by Transamerica Life
Insurance Company, Cedar Rapids, IA. Premiums
increase annually beginning in year 11 for the 10-year policy, in year 16 for
the 15-year policy, in year 21 for the 20-year policy, in year 26 for the
25-year policy, and in year 31 for the 30-year policy. Policy form and
number may vary, and this policy and the riders may not be available in all
jurisdictions. Insurance eligibility and premiums are subject to underwriting.
In most states, in the event of suicide during the first two policy years,
death benefits are limited only to the return of premiums paid.
Benefits provided through the Living Benefits, including the critical, chronic
and terminal illness accelerated death benefits, are subject to certain
limitations and exclusions. Amounts
payable under the benefits vary based in part on the nature and severity of the
Insured’s health condition and the Insured’s remaining life expectancy at the
time of the acceleration. Payouts will
be lower than the amounts accelerated.
Refer to the policy for complete details.
Andy Lopez Network 10717 Camino Ruiz, # 101, San Diego CA 92126 Mira Mesa San Diego, San Marcos, Scripps Ranch, Serra Mesa, Santee, Spring Valley, Sabre Springs, Temecula, Torrey Highlands, Tierra Santa, University City, University Heights, Valley Center, Vista, Warner Springs, Alpine, Aviara, Boulevard, Bonsall, Andy Lopez San Diego California Speak Filipino Term Life Insurance Agent Mira Mesa, Bonita, Borrego Springs, Bay Park, Carmel Valley, Cardiff By the Sea, City Heights, Clairemont, Campo, Carmel Mountain Ranch, College Grove, Coronado Cays, Coronado Shores, Coronado Village, Crown Point, Camp Pendleton, Carlsbad, Andy Lopez San Diego California Speak Filipino Term Life Insurance Agent Chula Vista, Del Cerro, Descanso, Del Mar, Dulzura, San Diego Downtown, El Cajon, Escondido, Elfin Forest, Encinitas, Encanto, East San Diego, Fallbrook, Guatay, Hillcrest, Andy Lopez California San Diego Mira Mesa Speak Filipino Term Life Insurance Agent Imperial Beach, Jacumba, Jamul, Julian, Kensington, Kearny Mesa, La Costa, La Jolla, Lakeside, Lemon Grove, Leucadia, Logan Heights, Lake San Marcos, La Mesa, Linda Vista, Andy Lopez San Diego California Speak Filipino Term Life Insurance Agent Mission Beach, San Diego Middletown, Mission Hills, Miramar, Mount Helix, Mount Laguna, Mission Valley, Mission Village, National City, Normal Heights, North Park, Ocean Beach, Olivenhain, Oceanside, Old Town, Pala, Pauma Valley, Pacific Beach, Paradise Hills, Point Loma, Palomar Mountain, Pine Valley, Andy Lopez Mira Mesa San Diego California Speak Filipino Term Life Insurance Agent, Poway, Potrero, Ramona, Ranchita, Rancho Bernardo, Rancho Penasquitos, Rancho San Diego, Rancho Santa Fe, Santa Luz, Solana Beach, San Carlos, San Clemente, San Diego, San Ysidro, Santa Ysabel, Talmadge, Tecate, San Luis Rey, Murrieta, Andy Lopez San Diego California Speak Filipino Term Life Insurance Agent, Tawag Na, Pilipino, Tagalog. A description of the policy benefits, costs, exclusions, limitations and terms is available to you upon request. Neither the Life Insurance Company, its affiliates, nor any of its representatives may provide tax or legal advice. Individuals should consult with their tax advisor or legal counsel for specific advice and information regarding their individual situation.
