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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 

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FACTS:

  • We work closely with two reinsurance giants, Swiss Re and Reinsurance Group of America.

    • This insures 100% piece of mind, competitive premiums and outstanding level of service.

  • Most importantly this is a hard currency life insurance. i.e.  £, $ or €. 

  • We promote level premiums, meaning the premium we quote you on now stays the same till death, be it 10 years or 80 years.

  • Your returns can not be matched in the investment market.

  • a TRUE LIFE STORY which happens everyday of our lives

  • He lives to:

    • 100 – he has contributed $322 (monthly premium) * 12 (months) * 50(years) = $ 193 200.

      • His payout: $500 000.

      • ROI:  258% 

    • 90 – he has contributed $322 (monthly premium) * 12 (months) * 40(years) = $ 154 560.

      • His payout: $500 000.

      • ROI:  324%

    • 75 – he has contributed $ 322 ( monthly premium) * 12 (months) * 25(years) = $ 96 600.

      • His payout:  $500 000

      • ROI:  518% 

    • 55 – he has contributed $ 322 ( monthly premium) * 12 (months) * 5(years) = $ 19 320.

      • His payout: $500 000

      • ROI:  2520%

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A non-smoking gentleman turning 50 at his next birthday.

  • Required: £ 500 000 life insurance & disability.

  • His beneficiaries are his wife and kids.

    • Paid out as follows: £ 300 000 to his wife, and £ 100 000 to each of his kids.

  • His premium:  

    • Life Insurance:  £ 322 per month

    • Disability Cover:  £ 27 per month.

 

Actual Return on Investment: ​

A non - smoking  lady turning 30 at her next birthday.

  • Required: £ 1 000 000 life insurance & disability.

  • Her beneficiaries are his wife and kids.

    • Paid out as follows: £ 600 000 to her husband, and  £ 200 000 to each

              child.

  • Her Premium

    • Life Insurance: £ 163 per month

    • Disability Cover: £  23 per month

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Actual Return on Investment: ​

  • She lives to:

    • 100 – she has contributed $163 (monthly premium) * 12 (months) * 70(years) =  $ 136 920.

      • Her payout: $500 000.

      • ROI:  365% 

    • 90 – she has contributed $163 (monthly premium) * 12 (months) * 60(years) =    $ 117 360

      • Her payout: $500 000.

      • ROI:  426%

    • 75 – she has contributed $ 163 ( monthly premium) * 12 (months) * 45(years) =  $ 88 020

      • Her payout:  $500 000

      • ROI:  566% 

    • 35– she has contributed $ 163 ( monthly premium) * 12 (months) * 5(years) =     $  9 780.

      • Her payout: $500 000

      • ROI:  5 1124%

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  • He lives to:

    • 100 – he has contributed $100 (monthly premium) * 12 (months) * 70(years) = $84 000.

      • His payout: $500 000.

      • ROI:  595% 

    • 80 – he has contributed $100 (monthly premium) * 12 (months) * 50(years) = $60 000.

      • His payout: $500 000.

      • ROI:  833%

    • 75 – he has contributed $100 ( monthly premium) * 12 (months) * 45(years) = $54 000.

      • His payout:  $500 000

      • ROI:  925% 

    • 55 – he has contributed $100 ( monthly premium) * 12 (months) * 5(years) = $30 000.

      • His payout: $500 000

      • ROI:  1600%

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A non-smoking gentleman turning 30 at his next birthday

  • Required: $ 500 000 life insurance & disability.

  • His beneficiaries are his wife and kids.

    • Paid out as follows: $ 300 000 to his wife, and $ 100 000 to each child.

  • His Premium:

    • Life Insurance: $ 100 per month

    • Disability Cover: $ 19 per month.

    • ​

 

Actual Return on Investment: 

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A smoking gentleman turning 30 at his next birthday.

  • Required: £ 1 000 000 life insurance & disability.

  • His beneficiaries are his wife and kids.

    • Paid out as follows: £ 600 000 to his wife, and  £ 200 000 to each child.

  • His Premium

    • Life Insurance: £ 414 per month

    • Disability Cover: £  82 per month

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A non-smoking gentleman turning 30 at his next birthday.

  • Required: £ 1 000 000 life insurance & disability.

  • His beneficiaries are his wife and kids.

    • Paid out as follows: £ 600 000 to his wife, and  £ 200 000 to each child.

  • His Premium

    • Life Insurance: £ 201 per month

    • Disability Cover: £  39 per month

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