LIFE INSURANCE
"If I had my way, I would write the word 'insure' upon the door of every cottage and upon the blotting book of every public man, because I am convinced, for sacrifices so small, families and estates can be protected against catastrophes which would otherwise smash them up forever."
Winston Churchill
FACTS:
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We work closely with two reinsurance giants, Swiss Re and Reinsurance Group of America.
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This insures 100% piece of mind, competitive premiums and outstanding level of service.
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Most importantly this is a hard currency life insurance. i.e. £, $ or €.
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We promote level premiums, meaning the premium we quote you on now stays the same till death, be it 10 years or 80 years.
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Your returns can not be matched in the investment market.
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a TRUE LIFE STORY which happens everyday of our lives
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He lives to:
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100 – he has contributed $322 (monthly premium) * 12 (months) * 50(years) = $ 193 200.
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His payout: $500 000.
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ROI: 258%
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90 – he has contributed $322 (monthly premium) * 12 (months) * 40(years) = $ 154 560.
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His payout: $500 000.
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ROI: 324%
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75 – he has contributed $ 322 ( monthly premium) * 12 (months) * 25(years) = $ 96 600.
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His payout: $500 000
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ROI: 518%
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55 – he has contributed $ 322 ( monthly premium) * 12 (months) * 5(years) = $ 19 320.
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His payout: $500 000
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ROI: 2520%
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A non-smoking gentleman turning 50 at his next birthday.
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Required: £ 500 000 life insurance & disability.
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His beneficiaries are his wife and kids.
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Paid out as follows: £ 300 000 to his wife, and £ 100 000 to each of his kids.
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His premium:
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Life Insurance: £ 322 per month
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Disability Cover: £ 27 per month.
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Actual Return on Investment:
A non - smoking lady turning 30 at her next birthday.
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Required: £ 1 000 000 life insurance & disability.
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Her beneficiaries are his wife and kids.
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Paid out as follows: £ 600 000 to her husband, and £ 200 000 to each
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child.
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Her Premium
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Life Insurance: £ 163 per month
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Disability Cover: £ 23 per month
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Actual Return on Investment:
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She lives to:
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100 – she has contributed $163 (monthly premium) * 12 (months) * 70(years) = $ 136 920.
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Her payout: $500 000.
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ROI: 365%
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90 – she has contributed $163 (monthly premium) * 12 (months) * 60(years) = $ 117 360
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Her payout: $500 000.
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ROI: 426%
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75 – she has contributed $ 163 ( monthly premium) * 12 (months) * 45(years) = $ 88 020
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Her payout: $500 000
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ROI: 566%
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35– she has contributed $ 163 ( monthly premium) * 12 (months) * 5(years) = $ 9 780.
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Her payout: $500 000
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ROI: 5 1124%
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He lives to:
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100 – he has contributed $100 (monthly premium) * 12 (months) * 70(years) = $84 000.
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His payout: $500 000.
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ROI: 595%
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80 – he has contributed $100 (monthly premium) * 12 (months) * 50(years) = $60 000.
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His payout: $500 000.
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ROI: 833%
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75 – he has contributed $100 ( monthly premium) * 12 (months) * 45(years) = $54 000.
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His payout: $500 000
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ROI: 925%
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55 – he has contributed $100 ( monthly premium) * 12 (months) * 5(years) = $30 000.
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His payout: $500 000
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ROI: 1600%
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A non-smoking gentleman turning 30 at his next birthday
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Required: $ 500 000 life insurance & disability.
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His beneficiaries are his wife and kids.
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Paid out as follows: $ 300 000 to his wife, and $ 100 000 to each child.
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His Premium:
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Life Insurance: $ 100 per month
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Disability Cover: $ 19 per month.
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Actual Return on Investment:
A smoking gentleman turning 30 at his next birthday.
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Required: £ 1 000 000 life insurance & disability.
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His beneficiaries are his wife and kids.
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Paid out as follows: £ 600 000 to his wife, and £ 200 000 to each child.
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His Premium
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Life Insurance: £ 414 per month
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Disability Cover: £ 82 per month
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A non-smoking gentleman turning 30 at his next birthday.
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Required: £ 1 000 000 life insurance & disability.
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His beneficiaries are his wife and kids.
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Paid out as follows: £ 600 000 to his wife, and £ 200 000 to each child.
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His Premium
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Life Insurance: £ 201 per month
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Disability Cover: £ 39 per month
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