At The
Florida Annuity Store, we guarantee...."Every
morning when you wake up, you're worth more than you were the night
before."
CHOICE
TERM
CHOOSING
PROTECTION
Choosing
to provide financial protection for your family, business or estate
after your death brings peace of mind and security.
Life insurance is
a way to guarantee your financial goals will be met should you die prematurely.
Consider the following
ways life insurance can...
Protect
your family. Help your family maintain your current life style,
make monthly mortgage payments or payoff your home.
Protect
your children. Assure your children an opportunity to attend
college.
Protect
your business. Provide funds to pay your debts and continue
your business.
Protect
your estate. Give your loved one the funds needed to pay expensive
estate settlement costs.
CHOOSING TERM
People choose term
life insurance because it is affordable financial protection. Term insurance
is an attractive alternative to permanent life insurance in many situations.
CHOOSING THE FLORIDA ANNUITY STORE CHOICETERM
Choosing an insurance
plan that is right for you is easy with The Florida Annuity
Store ChoiceTerm. We offer four guaranteed level premium plans:
10 - Year
Term
15 - Year Term
20 - Year Term
30 - Year Term
Guaranteed
Level Premiums
The Florida Annuity Store ChoiceTerm premiums remain
level throughout the plan term. Unlike most other carriers' term insurance
plans, we do not reserve the right to increase a class of premiums after
a minimal five-year period. A rider is attached to each ChoiceTerm certificate
that provides full details of our level premium guarantee. No matter
how long, the premium is guaranteed to remain level throughout the term
selected.
Minimum
Face Amount
The minimum face amount (death benefit) for a Florida Annuity
Store ChoiceTerm certificate is $50,000.
Renewable
to Age 95
The Florida Annuity Store ChoiceTerm may be renewed
up to the insured's attained age 95.
Exchange
or Convert to Age 70
The Florida Annuity Store ChoiceTerm certificates may
be converted or exchanged according to the certificate schedule to age
70.
Issue Ages
The Florida Annuity Store ChoiceTerm certificates may
be issued from the ages 20 to 75 depending on the term selected.
Certificate
Riders
The Waiver of Premium and Children's Riders are available for The
Florida Annuity Store ChoiceTerm plans.
Competitive
Rates
The Florida Annuity Store ChoiceTerm plans offer competitive
rates by utilizing four underwriting classes for each gender. Our underwriters
always work hard to qualify applicants for the best possible class.
With four underwriting classes for each gender, we are able to offer
the lowest possible premium rates. The table below illustrates The
Florida Annuity Store ChoiceTerm's affordable rates.
Death
Benefit $100,000
Age 35
Preferred, Non-Tobacco |
The
Annuity Store
ChoiceTerm
|
Annual
Premiums |
Male |
Female |
10
- Year Term |
116.00 |
106.00 |
15
- Year Term |
129.00 |
113.00 |
20
- Year Term |
158.00 |
137.00 |
30
- Year Term |
247.00 |
193.00 |
The
premium rates given in the table above may vary
according to individual underwriting classifications.
Choosing
Gleaner from The Florida Annuity Store
When you choose
Gleaner Life Insurance Society for your insurance needs, you become
a member of a fraternal benefit society that has been "a friend
of the family since 1894." For more than 100 years, the Society
has provided families with secure financial protection, special member
benefits and volunteer community service opportunities.
Gleaner
Life Insurance Society is an industry leader in terms of financial
soundness and safety. The Society purchases only "A" rated
or better bonds. We do not purchase "junk" bonds, common stocks,
preferred stocks, mortgage-backed securities or derivatives. Members
can rest assured the financial protection they invest in today will
be there tomorrow. Since 1894, Gleaner has kept faith with all of its
members and has never defaulted in a just claim through six wars!
Gleaner members
enjoy valuable benefits at no additional cost. For example, the Society's
"Fraternal Plus" benefit pays $1,000 to your designated beneficiary
should you die as a result of an accident. There is no additional premium
associated with this, or any, Gleaner member benefit. Ask your Florida
Annuity Store representative for details regarding other member
benefits such as Gleaner Scholarships, The Orphan's Benefit, the New
Arrival Family Benefit and the Gleaner Loyalty Bonus.
In addition to secure
financial protection and valuable benefits, Gleaner members enjoy the
company of "good people doing good things for other people."
As a fraternal benefit society, Gleaner members perform benevolent projects
to enhance the quality of life in their communities. Our local service
clubs (arbors) offer volunteer opportunities to all Gleaner members
and families.
