Bertram Insurance and Financial Services

Description

Home Non-Medical Life Insurance: - Simplified Life (Ages 25-80) - Deferred Life (Ages 25-80) - Family Compass (Ages 20-90) - CPP No Medical Insurance Ad Traditional Life Insurance - Term Insurance - Whole Life - Participating - Non-Participating - Universal Life Investments: - Segregated Funds - Investment Loans - Registered Education Savings Plans NON-MEDICAL LIFE INSURANCE Simplified Life (age 25-80) & Simplified Term (age 20-70) No Medical Exam A Simplified Issue policy is designed for the hard to insure, seniors, and those who do not want to take the time for a medical examination, or wait for the doctor's report. Benefits will start immediately on issue. If eligible, you can purchase up to $225,000 of combined Life & Term coverage without a medical exam. Benefits & Optional Features: Terminal Illness Benefit, Transportation up to $2,000, Cash Values, Accidental Death & Dismemberment, Child Term Rider, Hospital Cash. click here to see Non-Medical Life Insurance Brochure Deferred Life (age 25-80) & Deferred Term (age 20-70) "“No Medical Exam The Deferred Life policy is for those that do not qualify for the Simplified Issue plans. If eligible, you can purchase up to $150,000 of combined Life & Term coverage without a medical exam. If death, other than by accidental means, occurs within the first two policy years, there will be a return of premiums paid plus interest at a simple interest rate of 3%. If death occurs by accidental means in the first two policy years, the face amount will be paid instead of the premiums paid. If death occurs after two policy years, the face amount will be paid. Benefits & Optional Features: Terminal Illness Benefit, Transportation up to $2,000, Cash Values, Accidental Death & Dismemberment, Child Term Rider, Hospital Cash. return to top Family Compass: Level (age 20-90) & Graded (age 40-80) - No Medical Exam The Family Compass plan is a life insurance plan designed to provide funds for final expenses. The application includes a Planning Guide, Final Expense Worksheet, and Vital Statistics record. The detailed suggestions help minimize the pressure on your family when having to make decisions on unfamiliar matters. If eligible, you can purchase up to $25,000 up to age 90, without a medical exam. Premiums payable for life. Benefits at no Additional Charge: Living Benefit, Transportation up to $2,000, Cash Values, Accidental Death & Dismemberment return to top TRADITIONAL LIFE INSURANCE Term Insurance Term Insurance is the oldest and most traditional form of life insurance. The insurance company promises to pay the sum insured if the life insured dies within the period specified in the policy. You can opt for 10, 15, 20 year or Term to age 100. Term insurance can provide protection for either: a level, increasing, or decreasing amount over the term period. Level Term: The amount of insurance coverage and premiums remain level for the specified term. Increasing Term: Although this is not a common type of policy this may be employed in situations where the liability being protected against is both temporary and increasing.

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