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Whole life Insurance
Whole life is designed to last a lifetime or to
endow at age 100. It provides a guaranteed cash value,
guaranteed death benefit, and guaranteed premium.
In addition, has an improved dividend scale and strong
long-term cash values. Don't just protect part of
your life. Protect your whole life.
The advantages of whole life
When you decide to purchase whole life insurance,
you're getting a solid set of guarantees. You can
count on DeSpenza Capital Management, LLC to be there
when you need it. Here are just a few of the great
benefits:
- Guaranteed death benefit. Whole
life provides permanent protection for your entire
life. If you pay the required premium, you have
a guaranteed death benefit for life.
- Guaranteed cash values. Whole
life builds guaranteed cash values. In addition,
whole life is eligible for non-guaranteed dividends
that you can receive in cash or use to enhance
the policy (i.e., decrease the premium, increase
the death benefit and cash value, or decrease a
policy loan). Policy cash values and dividends
can be used as you wish—for college costs, business
opportunities, emergencies, etc. (Policy loans
and withdrawals will reduce cash value and death
benefit.)
- Level premium and lower long-term cost. Although
whole life has a higher initial premium than term,
whole life premiums remain level throughout the
insured's lifetime and eventually become less than
increasing term premiums. Whole life is less expensive
than term when covering long-term needs.
Riders and benefits enhance whole life
In addition to an improved dividend scale and better
long-term cash values, DeSpenza Capital Management,
LLC offers several riders and benefits with whole
life that can expand your options and make even more
competitive. These riders include the unique ABCI
Rider and the Charitable Giving Benefit (described
below), which are especially valuable because they
are provided at no additional cost. And Term riders
can be added to policies to provide greater coverage
on the primary insured and/or to insure one or more
additional insured's.
- ABCI Rider. Despenza Capital
Management, LLC innovative Accelerated
Benefits Rider for Chronic Illness gives exceptional
flexibility at a time when you may have an urgent
need for funds. The policy owner of an applicable
Despenza Capital
Management Beneficial whole life or universal life
policy, issued as standard risk (non-rated), can
apply for the immediate payment of a discounted
amount in lieu of all or a portion of the policy
death benefit if the insured is unable to perform
any two of the six activates of daily living. The
ABCI benefit can be used in any way the policy
owner chooses—there are no restrictions
on how the funds are used. Note that the ABCI is
not a long-term care rider or a medical-reimbursement
benefit.
- Charitable Giving Benefit. This
valuable benefit gives policy owners of whole life
the ability to make a donation to their favorite
qualified charity at no additional cost.
- Beneficial Term riders. Owners
of whole life can add an l Term rider to the base
policy, which gives them significant flexibility
in designing coverage for themselves and/or additional
insured's (family members or business associates).
Feel free to contact us for a no
obligation, no cost analysis of your
investment portfolio. Our clients benefit
from our counsel and process of customized
service. We are not just selling a single investment
or idea. DeSpenza Capital Management, LLC is
proposing a serious investment process by which
you can manage you money for a lifetime. Please
contact us for a free Complimentary
Consultation to discuss diversification
opportunities for income, savings, and legacy.
This intro page gives you a brief synopsis
of each investment category of service we offer.
Complimentary
Consultation
877-337-7369
email: adespenza@despenza.com [Back]
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