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Did You Ever Wonder?

Please read...This is Important! 

 

You Can't Be Turned Down!


If you're between the ages of 50 and 85 (in most states), you are guaranteed acceptance for this life insurance. There are no health questions to answer...no physical exam to take. We can guarantee your acceptance because of a two-year limited benefit period. Lock In a Rate That Will Never Increase and a Benefit That Will Never Decrease Due To Age.

Coverage Can't Be Cancelled. As long as you pay your premiums, only you can cancel your coverage.

Coverage Builds Cash Value after the first year. 

Money-Back Guarantee! If you're not 100% satisfied, just return your insurance documents within 30 days of receipt for a full refund of any premiums paid.



Does this advertisement look Familiar? How about the slogan… “For less than 35 cents per day per unit”! We see this all over the T.V.! Have you ever wondered if this was really a good deal?

 
#1 Lock In a Rate…this is the definition of a guaranteed rate.
#2 A Benefit That Will Never Decrease… again, the definition of guaranteed coverage.
#3 Coverage Can't Be Cancelled. As long as you pay your premiums… This is industry standard.
#4 Money-Back Guarantee! If you're not 100% satisfied, just return your insurance documents within 30 days of receipt for a full refund of any premiums paid, again, the 30 day free look is industry standard.

 

Everything in this ad is 100% absolute HONEST and the TRUTH…for EVERY GUARANTEED ISSUE LIFE INSURANCE COMPANY IN BUSINESS!!!

The only truly competitive item in the advertisement is the slogan… “For less than 35 cents per day per unit”. Once again, this is the absolute truth. No matter your age, or your coverage amount (# of units), the price is $0.332 per day or $9.95 per month per unit. But what is a UNIT?


THE ANSWER…

A Unit is the benefit amount and IT DEPENDS ON YOUR AGE and GENDER!!!

 

The following example is the quote for any 60 year old man. It shows 1 unit is $1214 and a $9.95 premium. The rest of the chart is simple math. Add up the units and the monthly premium. The numbers still work to $0.332 per unit per day.


State:  GA

Age:  60

Gender:  Male

 

 

Units of
Coverage

Life Insurance
Benefit Amount

Monthly
Premium

1 Unit

$1,214

$9.95

2 Units

$2,428

$19.90

3 Units

$3,642

$29.85

4 Units

$4,856

$39.80

5 Units

$6,070

$49.75

6 Units

$7,284

$59.70

7 Units

$8,498

$69.65

8 Units

$9,712

$79.60

 

This next quote is for any 60 year old woman. It shows 1 unit is $1621 and a $9.95 premium. The rest of the chart is simple math. The numbers still work to $0.332 per unit per day.

 

 

State:  GA

Age:  60

Gender:  Female

 

 

Units of
Coverage

Life Insurance
Benefit Amount

Monthly
Premium

1 Unit

$1,621

$9.95

2 Units

$3,242

 

$19.90

3 Units

$4,863

$29.85

4 Units

$6,484

$39.80

5 Units

$8,105

$49.75

6 Units

$9,726

$59.70

7 Units

$11,347

$69.65

8 Units

$12,968

$79.60



The question remains. Is this really a great deal?

You can not compare Colonial Penn to other insurance companies easily because they don’t measure a unit the same way as the rest of the Life Insurance industry. For the other companies, a unit is $1000 of coverage. Not a variable number. To get a true comparison, we must convert the Colonial Penn numbers into the uniform $1000 unit. Once that is done, here are the results for our 60 year old examples.

 

                                                        Rates expressed $0.000 per day

                                                               Female Rate / $1000            Male Rate / $1000

                                                           .204                                       .269 
                                    
.153                                       .186 
                      
.164                                       .200 
                                 
.177                                        .243 
                               
.123                                        .157 

 

Surprised? Call Us Today! We Can Help!