A Monthly Income Term™ product offers substantial premium cost savings versus comparable “lump-sum” term life insurance for comparable benefits. With today’s majority of two income families, the low cost of a Monthly Income Term™ product allows both income earners to be covered for about the same cost as just one person with traditional term life insurance.
Instead of a single, lump-sum death benefit which, on average, will only replace 3.6 years of income, a Monthly Income Term™ product provides sustained, guaranteed monthly income for the surviving family members.
The Monthly Income Term™ product is managed and distributed by a life insurance company that has been in business for over 140 years and has an AM Best A+ financial rating.
A Monthly Income Term™ product is an affordable and specific form of term life insurance. In contrast to a traditional term life insurance “lump-sum” death benefit, a Monthly Income Term™ product provides a death benefit in the form of a guaranteed monthly income based on the insured’s current monthly income, designed to last throughout a client’s typical working years. This innovative product is issued and administered by a prominent and reputable US life insurance company with an A+ rating that has been issuing individual life insurance products for over 140 years.
In most situations, a Monthly Income Term™ life insurance product offers more affordable coverage than traditional lump-sum death benefit term life insurance.
Monthly Income Term™ provides
$1 Million in benefits at a 40% DISCOUNT
*The annual premium illustrated is an average taken from 20 year level term rates quoted by eight US Life Insurance Companies, all rated A+ by AM Best.
A great article in the USA Weekend publication that shows how the financial dynamic of today’s families is changing, and conveys the need for women to take charge of their family's financial future.
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The Monthly Income Term™ product is new to the industry, and there is currently only one life insurance company, rated A+ for financial strength and stability by AM Best, currently issuing this new innovative life insurance product.
Capital Retention, Inc., a national distributor of insurance and financial products, was organized and registered to do business in January, 2001, and is a Better Business Bureau accredited business with the highest Better Business Bureau A+ rating. Capital Retention, Inc. contracts with a number of highly rated life insurance companies to distribute their life insurance products and will add additional life insurance company products from life insurance companies that also have an AM Best A+ rating once they are made available. When you partner with Capital Retention, Inc., you’re working with life insurance companies that have earned an A+ rating from the independent insurance company rating service, AM Best.
