• Easy to complete applications
•
24-hour coverage
•
Coverage available for you and your spouse
•
Coverage for your dependents even if they
are still at school
•
Choice of Benefit levels
•
Monthly Benefit paid in cash for 36 consecutive
months
•
Lump Sum payment in cash of 100 times your
monthly benefit if still disabled after 36
months
•
Accidental Loss of Use Benefit
•
Choice of policy with or without Cash Value
•
Issue age - up to 60
•
Choice of Premium Payment
•
Worldwide Coverage
•
No occupational exclusion
•
No financial underwriting requirement
•
Only one application is required
•
No medical exam is required
•
Most declared pre-existing conditions will
be covered after 24 months
•
No need to justify income
•
Choice of policy with or without Cash Value
•
Can pay premium with USA bank check, credit
card (without additional charge), bank transference
(wire transfer).
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Now Morgan-White Administrators International,
Inc. offers you a Disability Policy with through Lloyd’s
of London without "Cash Value" or through AmFirst
Insurance Company, Ltd. with “Cash Value”. AmFirst,
Ltd. is an insurer domiciled in Bermuda. AmFirst. Ltd. is
reinsured by Certain Underwriters at Lloyd’s, London.
Both
policies now include the Accidental Loss of Use Benefit.
This benefit pays a monthly disability benefit of up to
$5,000 for 36 months and then a lump sum benefit equal to
30 times the monthly benefit at the end of the 36 months
for the accidental loss of use of one hand, one foot, one
arm, one leg, or loss of sight in both eyes. This Accidental
Loss of Use Benefit is not paid in addition to the Monthly
Disability Benefit.
With
the Cash Value Benefit in the AmFirst, Ltd. Disability Policy,
your money is protected. If you do become disabled, all
benefits selected will be paid to you. If you do not become
disabled, you have the opportunity to get all of your premiums
back.
After
your policy has been in effect for ten (10) consecutive
years, your policy will have a cash value of 50% of the
premiums paid. You can surrender the policy to the Company
at any time after 10 years and receive its cash value less
the amount of any claims paid. If you purchase this policy
before age 51 and keep the policy continuously in effect
until age 65, you will receive 100% of the premiums you
have paid less the amount of any claims paid. If you are
from 51-55 years of age when you purchase the policy, you
will have a cash value of 50% of the premiums paid less
the amount of any claims paid after it has been in effect
for 10 years.
The
Cash Value Executive Disability Plan can also be purchased
for your spouse and children who are 5 years old or older.
It is the most complete Disability Plan ever offered.
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