AGI Benefits :: Additional Workplace Benefits :: Interest Sensitive Whole Life

June 4, 2005

Many employers provide their employees with basic term insurance. This is a good foundation, but your employees have different insurance needs during different life stages.

Voluntary Interest-Sensitive Whole Life insurance provides additional coverage to employees during their prime working years, but more importantly, it's coverage that can follow them into their retirement years.

PLAN FEATURES

Voluntary, individual coverage for employees, with multiple family coverage options available.

No physical exams are required to apply for coverage.

Premiums are guaranteed level based on the insured's age at policy issue and do not increase due

to age.

The policy can build cash value with current interest rates, which have a guaranteed minimum

percentage rate. Interest earned is tax deferred under current laws.

The policy contains a reduced paid-up provision, which allows employees to use their accumulated

cash value to purchase a smaller, paid-up policy with no further premiums due.

The policy is individually owned, which means employees can take their policy with them if they

retire or leave the company.

Additional riders available

This is a flexible policy that can be purchased for employee, spouse-only, children, step-children and grandchildren. Grandparents love to purchase this for their grandchildren because the coverage can last a lifetime at rates based on the current age of the child.

This is the perfect addition to your benefit package. Guaranteed issue amounts are available. Call us for a no-obligation quote for your group.