| Life
Insurance for Your Life |
|
 |
A life
insurance policy that pays out simply when you die
falls short of meeting the increasingly complex
financial needs of hard working individuals like
you.
There are multitudes of choices when it comes to
choosing a life insurance policy. PLJ Advisors specialize
in recommending policies that are truly designed
to meet your current and potential needs.
Uncontrollable and unwelcome events are a part of
life. While you cannot always predict or prevent
a heart attack, a stroke or the death of a spouse,
PLJ Advisors can give you the resources to control
their adverse effects on you and your family.
In today’s world, you need more than just
a life insurance policy that pays out when you die.
You need a policy that meets the immediate risks
in a crisis situation.
Think About This
What
if you have an accident and a serious injury
keeps you from working? How will you pay bills
during your recovery?
What if you suffer a heart attack or get cancer?
How will you cover the costs of treatment,
and still take care of your family? |
These are important questions. PLJ Advisors has
comforting answers for you. A free quote
from PLJ Advisors will leave you feeling secure.
PLJ Advisors can recommend a policy that pays for
critical illness and disability without diminishing
your death benefit protection. That means your
insurance plan isn’t at risk.
You can have a policy that is simple, logical, and
easy to understand with a pool of money at your
disposal should you suffer a financial hardship
due to illness or disability. You can use this money
however you wish, whether you need to make a mortgage
payment, purchase groceries or hire childcare. |
|
|
|
For
a limited time only, and as our way of saying thank
you, we are temporarily offering the following
no strings attached bonus:
Bonus: Life time No
Advisory Fee college 529 savings plan
for 2 children in your immediate family (please,
only two accounts per household ).
CLICK
HERE to receive your bonus plus
a free evaluation of your investment protection
needs or call 1-888-755-2525.
|
|
|
| You
Are the Beneficiary of Your Life Insurance Policy |
|
Simply
stated, PLJ Advisors can recommend a suitable policy
which can be the first life insurance policy that
makes you the beneficiary. It provides simple, comprehensive
protection for wherever life takes you.
If you qualify for critical illness or disability
benefits, you have access to money at those critical
times
And if course, the policy that PLJ Advisors can
design for you will provide for your family upon
your death.
Your life insurance policy can also work for your
retirement: PLJ Advisors can design a policy that
gives you options for retirement income that you
cannot outlive. |
|
|
| How
Your Policy Will Cover the Risks |
|
|
Life insurance
policies designed by PLJ Advisors offer more than
average life insurance options. In addition to a
death benefit, PLJ Advisors can help you establish
a policy that will cover your financial difficulties
brought on by illness or disability.
Providing Cash Benefits When You Need Them
Most
Here is an example to illustrate how a policy
designed by PLJ Advisors might work. Please
keep in mind that this is a hypothetical example,
and may not be the best choice for your needs.
Contact a PLJ Advisor representative
for your free consultation to determine the
best course of action for you.
|
Example
|
If
you become critically ill, your policy pays
you up to 50% of your death benefit. |
What is
the best news in this example? Taking this form
of benefit does not reduce your death benefit
protection.
|
If
you become disabled and are receiving Social
Security disability benefits, you can receive
1% of your payment every month until age 65. |
What is
the best news about this example? Taking these payments
does not diminish your death benefit.
Benefits received may total up to 100%
of your payment to the life insurance company. You
are paid in cash, and you can use the money however
you wish. Plus, you don’t have to coordinate
or assign benefits with other insurance plans.
Better still, during your time of illness,
we might find you a policy that waives your premium
(subject to limitations). |
|
|
|
| How
A PLJ Advisors Life Insurance Policy Can Work For
You |
|
Let’s
say PLJ Advisors designs a life insurance
policy for me; how can I access my
insurance money in case of critical illness? |
Here is an example to answer that question:
PLJ Advisors help you purchase a $500,000 life insurance
policy. This policy allows you to take cash out
if a crisis occurs and you are unable to work and
pay your bills. So if, for instance, you suffer
a stroke that results in complete paralysis, you
will be able to access up to $250,000 to cover your
expenses.
Taking this money does not diminish your death benefit:
you are still covered for the full $500,000 in the
event of your death.
You do not have to be terminally ill to receive
benefits from your policy. The benefits you receive
in these instances are usually based on diagnosis
of your illness and payouts are determined as a
percentage. Your death benefit will not be diminished.
To get an idea about the kind of policy PLJ Advisors
may recommend, here is an example of a critical
illness maximum benefit amounts. |
|
|
This is only an example. A
policy that works for you may be different than the one shown above.
| Life
Insurance For You and Your Family |
|
|
When PLJ
Advisors create a life insurance policy for you,
we take care of everyone. You can use the money
to cover costs associated with critical illness
or disability and still leave your beneficiaries
with a full death benefit.
This same policy can be there for you should you
lose a family member. Depending on the situation,
we may be able to provide you with these benefits
as well:
|
If
your spouse dies, you can receive up to 25%
of your policy death benefit to a maximum
of $50,000. |
|
If
one (or more) of your children die, you can
access up to 10% of your death benefit to
a maximum of $10,000 per child in one lump
sum. |
Taking advantage of these policies does
not diminish your death benefit.
Please remember that the above is only an example.
Your policy would be customized to fit your needs
and are based on what is available in the market.
In the event of your death, your beneficiary(s)
can receive their benefits in one lump some or take
payments. If your beneficiary chooses the payment
option, he or she may receive 110% of the death
benefit
. |
|
|
|
| What
Protection Do Some of These Policies Offer You?
|
|
PLJ Advisors
can design a policy for you that
a) Pays your beneficiary his or her benefit upon
your death, (1)
b) Can include cash benefits for use during critical
illness or disability and
c) Can include cash benefits available to you in
the event of the death of a spouse or children
On top of these amazing benefits, PLJ Advisors can
create a policy that offers tax deferred cash accumulation
and a unique Preferred Settlement Value to fund
your secure retirement.
(1) Assumes the policy owner is also the insured. |
|
|
| Helping
You Enjoy a Fulfilling Retirement |
|
|
We can
design the policy so you can receive a retirement
income. This retirement value will increase as years
go by after a certain predetermined period say 10
years.
In some instances we can help you structure a life
policy where If you’ve had the policy for
15 years or at the end of the policy year in which
you turn 65, whichever is later. The total amount
you can receive as retirement income will be three
times your net cash value. This means, at the end
of the year in which you turn 65 for example, if
your policy’s net cash value is $10,000, your
policy value available for lifetime income will
increase to $30000.
However in this particular example Beginning at
the later of 17 years or the end of the policy year
in which you turn 71, the multiple of your net cash
value decreases each of the next five years until
the Preferred Settlement Value is equal to the net
cash value. Here again we emphasize this is just
an example and policy design will vary depending
on your needs, PLJ Advisors will help you determine
what type of policy would help you achieve your
objective better.
For policies issued in California, Domestic Partners
receive the same benefit. Based on planned premium
only. Accumulated excess premium is included in
the Preferred Settlement Value without the enhanced
factor. |
|
|
|
| Our
top priority is the safety of your money |
|
PLJ Advisors’
goal has always been to provide policyholders with
wealth management products that help meet your needs
and financial objectives. Our product philosophy
is simple: Offer fair and equitable values on each
policy we assist you with obtaining.
You entrust your money to us, and we take very seriously
the responsibility of keeping your money safe. That
is why PLJ Advisors work exclusively with organizations
who receive the highest financial strength ratings
from Standard & Poors and A.M. Best.
These independent agency ratings are based on an
analysis of financial results and evaluations of
management objectives and strategies. In no way
do these ratings indicate approval by the analysts
and are subject to change.
Innovative Products. Exceptional Service. Sound
Financial Advice. Turn to PLJ Advisors for help
meeting your retirement and life insurance needs. |
|
|
For
a limited time only, and as our way of saying thank
you, we are temporarily offering the following
no strings attached bonus:
Bonus: Life time No
Advisory Fee college 529 savings plan
for 2 children in your immediate family (please,
only two accounts per household ).
CLICK
HERE to receive your bonus plus
a free evaluation of your investment protection
needs or call 1-888-755-2525.
|
|
|
|
Frequently Asked Questions |
| Are
Critical Illness Benefits Taxable? |
|
| The critical
illness benefits are intended to be income tax free.
However, tax laws relating to these benefits are
complex. You are advised to consult a qualified
tax advisor regarding the tax implications of purchasing
this policy, should you and your PLJ Advisor decide
that this is the right policy for you.
|
|
|
| PLJ Advisors
can design the insurance policy so it may be owned
by the insured or by a third party. For example,
if you are the policy owner but not the insured,
then upon your death the policy ownership passes
to the executor of your estate or to the contingent
policy owner if one is listed on the application
or subsequently added. |
|
|
| How
Does the Critical Illness Benefit Protect My Loved
Ones In the Event of My Death? |
|
The death
benefit is paid to the beneficiary in a lump sum;
PLJ Advisors can also assist the policy owner or
the beneficiary in choosing a settlement option
in some cases.
Examples of settlement options include:
• Guaranteed period (Example: 10 to 30 year
certain)
• Life with a guaranteed period
• Installments of a selected amount
• Joint and survivor |
|
|
| Let’s
Say PLJ Advisors Helps Me With This Type of a Life
Policy; How Do the Critical Illness Benefits Work
When Combined With a Life Insurance Policy? |
|
The use
of your critical illness benefits combined with
your life insurance policy depends on the program
PLJ Advisors set up for you.
To give you an idea, your critical illness benefits
are benchmarked as an amount equal to your death
benefit. So, when a benefit is paid for a qualifying
critical illness or disability or in the even of
the death of a spouse or child, you critical illness
benefit is reduced. However, your policy’s
death benefit is never reduced.
In some policies, only one type of critical illness
benefit can be taken out for each covered condition
(except for the death of more than one child). Disability
payments can start no earlier than two years after
payment of another benefit. |
|
|
| How
Can I Use My Benefit Payment? |
|
Often
the life policy that PLJ Advisors create will allow
you to use your benefit payments for anything you
like with no restrictions and no coordination or
assignment of your benefits with other insurance
plans.
Contact
a PLJ Advisors representative to determine the right
plan for you. |
|
|
| What
Proof Do I Need to Receive a Benefit Payment? |
|
|
| Do
I Have to Pay Back My Benefit Payment? |
|
No! Benefit
payments are not loans, so there are no interest
charges or penalties and they never have to be repaid.
Your critical illness benefits are part
of your PLJ Advisors life insurance policy.
|
|
|
| Do
I Pay My Premium While I’m Receiving Benefits?
|
|
|
| What
Are Pre-existing Conditions, and Do My Benefits
Cover Them? |
|
In the
insurance world, a pre-existing condition is defined
as:
a) Any condition that occurs within 30 days after
the policy’s effective date and
b) Medical treatment or advice given or recommended
during the 6 month period prior to the effective
date of your policy.
Benefits are not paid on pre-existing conditions.
|
|
|
| Can
PLJ Advisors Structure a Life Insurance Policy That
Also Offers Retirement Income? |
|
|
YES!
Here is how one of our favorite insurance companies
does it:
This company offers a Preferred Settlement Value
which provides you with enhanced monthly income.
After 11 years or the end of the policy year that
you turn 61 (whichever comes later), your Preferred
Settlement Value equals 140% of your net cash value.
This percentage continues to grow each year for
fifteen years or the end of the policy year that
you turn 65 (whichever comes later). At age 65 (or
fifteen year later) your preferred Settlement Value
equals 300% of your net cash value!
After 17 years or the end of the policy year you
turn 71 (whichever comes later), your Preferred
Settlement Value decreases each year for five years
until the end of the policy you turn 76 or at 22
years (again, whichever comes later). At this point,
your Preferred Settlement Value is equal to your
net cash value.
At this point, any accumulated excess premium payments
are added to your Preferred Settlement Value, providing
other factors do not interfere. When your retirement
income is put to use, your critical illness benefits
(including spouse and child benefits) are no longer
available.
This plan may not work best for you. Contact
PLJ Advisors for a free evaluation and insurance
quote! |
|
|
|
| How
Do I Qualify for Preferred Settlement Value? |
|
| Receive
Preferred Settlement Value by selecting a form of
lifetime retirement income before the end of the
policy year when you turn 76 or 22 policy year (whichever
comes first). |
|
|
| What
are my retirement income options? |
|
The above
life policy offers a full range of retirement income
options:
Receive your income from a 5 year period certain
Receive your income for life with a certain period
Receive payments monthly, quarterly, semiannually
or annually.
These options provide you flexibility to meet your
individual needs. |
|
|
| Regarding
the Above Example, How Do I Determine the Value
of My Life Insurance Policy? |
|
Your contract
value never goes below any net premiums you paid
(less deduction, loans, withdrawals or accelerated
death benefits and interest earned).
At the end of every policy year you will receive
a statement outlining all activity on your policy,
including premiums received, interest earned, benefits
received, loans and your current policy values.
|
|
|
| What
Is My Minimum Guaranteed Interest Rate? |
|
| Staying
with our example, the interest rate that is credited
to your policy will not go below 3% until your retirement
selection. |
|
|
| Are
Policy Loans Available? |
|
| Yes. A
portion of the cash value may be taken as a loan.
|
|
|
| What
Happens if I Surrender My Policy? |
|
Using
the above example, if you fully surrender your policy,
a surrender charge of 15 years to the net cash value
is applied.
If you decide to surrender your policy, you may
request a full surrender for its net cash value
at any time. You may also request a partial surrender
at any time. |
|
|
| Are
There Any Premium Charges? |
|
There
is a nominal charge for all premiums paid which
is defined as a percent of premium.
Contact a PLJ Advisors representative
for more details on your situation. |
|
|
| Let
Us Help You Evaluate Your Current Policy |
|
Changes
in life happen over time, and so do your insurance
needs. You may have purchased life insurance and
never thought twice about it. Don’t make that
mistake.
Today, products are available that can offer you
amazing features and benefits that just weren’t
around a few years ago. Your life has changed, and
so has the life insurance market.
Take advantage of the changes! PLJ Advisors will
objectively and sincerely evaluate your needs and
provide you with a quantifiable comparison between
your existing life insurance policy and many other
available options.
Is it time for a change? |
|
|
For
a limited time only, and as our way of saying thank
you, we are temporarily offering the following
no strings attached bonus:
Bonus: Life time No
Advisory Fee college 529 savings plan
for 2 children in your immediate family (please,
only two accounts per household ).
CLICK
HERE to receive your bonus plus
a free evaluation of your investment protection
needs or call 1-888-755-2525.
|
|
|
| Backed
By Our 20-Day Money-Back Guarantee |
|
Take the policy, Examin it for 20 days, If you
are not completely satisfied your policy, you
may cancel it and receive a full refund without
any further obligation on your part. There's no
risk!
You have nothing to lose and everything to
gain.
|
|
|
| Although
great effort has been made to ensure this information
contained herein, contains up to date and accurate
information, it is provided to you(the reader) with
the understanding that author, publisher and PLJ
Advisors are not engaged in rendering legal, financial,
accounting, tax or other professional service through
this publication, this page is strictly for general
education purposes, and by reading this report,
you, the reader agree not use it without consulting
with PLJ Advisors with reference to the information
contained herein, so that we can evaluate the totality
of your situation with respect to any action, and
inform you of any new developments with respect
to desired results. Please feel free to contact
us regarding any questions you might have.
|
|
|
|
To get your free retirement
evaluation and learn how you can retire with more money than
you thought possible, call: 1-888-755-2525
or contact us here |
|
HOW MUCH IS
"inadequate life insurance" COSTING YOUR Family's
Future?
Get a FREE report that will clarify
|
|
|
|
