| "The New Era in Life Insurance" APPLICATION |
- Barry Rahm Insurance and Employees Life Company (Mutual) are proud to introduce the unique
Guaranteed-Issue, Increasing Death Benefit Single Premium Life Insurance Policy, called The New Era
in Life Insurance. Agents, you may never need to sell another Tax Deferred Annuity. Our new SPL
has a death benefit that increases by 4% per year with no additional premiums due. It is Guaranteed-
Issue meaning there is no underwriting and everyone is accepted. Upon death, the full death Benefit is
paid to the beneficiary with usually no taxes due, similar to any other true life insurance policy.
The difference between a Deferred Annuity and The New Era in Life Insurance is that upon death, a
Deferred Annuity incurs an income tax based upon the amount of interest deferred. The New Era in
Life Insurance incurs no income taxes upon death. This is a huge difference. In addition, the rate of
increasing death benefit of 4% per year, can never change; it can never go down. As you all know, with
a Deferred Annuity, as soon as the guarantee period is over, the interest rate can, and in fact, usually
drops immediately. Once again, this can never happen with The New Era in Life Insurance.
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| Sign up to get all LTC Medicaid Updates. |
| LTC Asset Protection and Medicaid Eligibility for Singles and Marrieds. The Best Plan for Long-Term-Care and Nursing Homes |
| Please call or email for a free illustration and any questions you may have. Barry Rahm Barry Rahm Insurance 1074 Diamond Crest Court, Santa Barbara, CA 93110 Phone Toll Free 800-255-1932, Local 805-683-6311 Fax 805-683-6313, Cell 805-455-4611 Email to barryrahm@verizon.net Home Bulletins Products Forms Software Brochures |
| Disclaimer *Please be certain to obtain necessary legal, financial and/or professional help. We cannot be responsible for State Laws, Rules or Procedures which may have changed. Barry Rahm Insurance does not provide legal or tax advice. |
| Barry Rahm Insurance Serving Agents for over 35 Years Email to barryrahm@verizon.net 800-255-1932 Asset Protection & Qualification for Medicaid Eligibility for Nursing Homes* Guaranteed-Issue Single Premium Life Be sure to check out The Bulletins *Before proceeding, please see disclaimer at bottom of page. |
Asset Protection |
In addition to the obvious tax advantages of The New Era in Life Insurance contract, a very
important benefit of this policy is Asset Protection. In many States, Life Insurance is exempt from
creditor claims. You must check to see how your State deals with this. In those States that
consider Life Insurance as an asset that is exempt from creditors, legal precedent may have already
been set. This means that if you are sued, your Life Insurance policy would be an exempt asset.
The New Era in Life Insurance may very well be the easiest and one of the most effective ways to
protect an estate from future litigation. Please get professional help when designing your Asset
Protection strategy.
important benefit of this policy is Asset Protection. In many States, Life Insurance is exempt from
creditor claims. You must check to see how your State deals with this. In those States that
consider Life Insurance as an asset that is exempt from creditors, legal precedent may have already
been set. This means that if you are sued, your Life Insurance policy would be an exempt asset.
The New Era in Life Insurance may very well be the easiest and one of the most effective ways to
protect an estate from future litigation. Please get professional help when designing your Asset
Protection strategy.