G. A. MacDonald Associates, Inc.
Financial Management & Insurance Services
2200 Lake Avenue, Suite 120, Fort Wayne, Indiana 46805
Phone: (260) 422-5377 Fax: (260) 423-6780 Toll-free: (877) 341-5377
Life
insurance for the
adult with special needs
(Indiana & Ohio Residents Only)
Residents of other states - click
here
|
So, you've been told that your loved one doesn't qualify for life insurance because he or she has
special needs. I’m
here to tell you that life coverage may be available, even if they have
been declined in the past.
In Indiana and Ohio our agency provides affordable life
insurance coverage for our clients with conditions like Autism,
Celiac Disease, Cerebral
Palsy, Diabetes, Down Syndrome,
Epilepsy, Multiple Sclerosis, or Obesity. And it couldn't be easier to qualify because the
application only has one health question...
|
"Are you
currently confined to a hospital or
hospice, or have you
been told by a medical
practitioner that you have a terminal illness?"
|
|
|
"No" |
|
|
|
This plan guarantees anyone aged 5 to 80 the
opportunity to purchase up to $25,000 of permanent whole life
protection by answering one simple health question. No medical information or exam is required. The
death benefit in years one to three is limited to a return of premiums
paid in the first year, 50% in the second year and 100% in the third year
and thereafter. The full face amount of the policy is payable in all years
in case of accidental death.
- NO medical or physical exam - only one (1) health question
- Premium is fully-paid in 20 years
- Policy builds cash value
- Provides a $10,000 or $25,000 benefit for accidental death
|
Graded Death Benefit
Indiana & Ohio Whole Life Insurance Policy
20-Year Pay
INDIANA & OHIO
(Smoker & Non-Smoker)
Premium Rates *
|
|
$10,000
Benefit |
$25,000
Benefit |
| |
Male |
Female |
Male |
Female |
| Age |
Monthly
EFT ** |
Quarterly |
Monthly
EFT ** |
Quarterly |
Monthly
EFT ** |
Quarterly |
Monthly
EFT ** |
Quarterly |
| - For ages
younger than 18, please visit this page - |
| 18 |
$19.57 |
$59.60 |
$13.86 |
$42.21 |
$45.00 |
$137.07 |
$30.73 |
$93.61 |
| 19 |
19.98 |
60.87 |
14.15 |
43.12 |
46.04 |
140.25 |
31.47 |
95.86 |
| 20 |
20.42 |
62.20 |
14.46 |
44.04 |
47.13 |
143.56 |
32.23 |
98.18 |
| 21 |
20.87 |
63.57 |
14.76 |
44.97 |
48.26 |
147.01 |
32.99 |
100.50 |
| 22 |
21.32 |
64.95 |
15.08 |
45.92 |
49.39 |
150.45 |
33.78 |
102.89 |
| 23 |
21.80 |
66.41 |
15.41 |
46.93 |
50.59 |
154.10 |
34.60 |
105.40 |
| 24 |
22.29 |
67.89 |
15.74 |
47.94 |
51.81 |
157.81 |
35.43 |
107.92 |
| 25 |
22.79 |
69.40 |
16.08 |
48.97 |
53.05 |
161.58 |
36.28 |
110.51 |
| 26 |
23.34 |
71.10 |
16.63 |
50.67 |
54.44 |
165.82 |
37.67 |
114.75 |
| 27 |
23.92 |
72.85 |
17.21 |
52.42 |
55.88 |
170.20 |
39.11 |
119.12 |
| 28 |
24.52 |
74.68 |
17.80 |
54.22 |
57.38 |
174.77 |
40.59 |
123.62 |
| 29 |
25.14 |
76.59 |
18.43 |
56.13 |
58.94 |
179.54 |
42.15 |
128.39 |
| 30 |
25.80 |
78.57 |
19.08 |
58.11 |
60.57 |
184.51 |
43.78 |
133.36 |
| 31 |
26.47 |
80.61 |
19.76 |
60.18 |
62.25 |
189.61 |
45.48 |
138.53 |
| 32 |
27.17 |
82.76 |
20.46 |
62.33 |
64.01 |
194.97 |
47.24 |
143.90 |
| 33 |
27.90 |
84.99 |
21.19 |
64.55 |
65.84 |
200.54 |
49.07 |
149.46 |
| 34 |
28.65 |
87.26 |
21.95 |
66.86 |
67.71 |
206.24 |
50.96 |
155.22 |
| 35 |
29.43 |
89.65 |
22.74 |
69.27 |
69.67 |
212.20 |
52.94 |
161.25 |
| 36 |
30.64 |
93.33 |
23.58 |
71.82 |
72.69 |
221.41 |
55.03 |
167.61 |
| 37 |
31.91 |
97.20 |
24.46 |
74.49 |
75.86 |
231.08 |
57.22 |
174.30 |
| 38 |
33.23 |
101.23 |
25.37 |
77.27 |
79.17 |
241.15 |
59.51 |
181.26 |
| 39 |
34.62 |
105.44 |
26.33 |
80.19 |
82.63 |
251.68 |
61.90 |
188.55 |
| 40 |
36.07 |
109.87 |
27.32 |
83.21 |
86.26 |
262.75 |
64.38 |
196.10 |
| 41 |
37.58 |
114.45 |
28.36 |
86.39 |
90.02 |
274.21 |
66.99 |
204.05 |
| 42 |
39.16 |
119.28 |
29.45 |
89.70 |
93.98 |
286.27 |
69.71 |
212.33 |
| 43 |
40.80 |
124.29 |
30.59 |
93.17 |
98.09 |
298.79 |
72.56 |
221.01 |
| 44 |
42.52 |
129.51 |
31.78 |
96.80 |
102.38 |
311.84 |
75.54 |
230.09 |
| 45 |
44.31 |
134.96 |
33.02 |
100.57 |
106.86 |
325.49 |
78.63 |
239.49 |
| For
ages 46+ please contact Dave
MacDonald |
* Rates are current
for 2009 and subject to change without notice. This page and illustrations
provided are for summary purposes only and contain a general outline of
coverages provided. This is not a contract or policy. For a complete and
detailed description of coverages and exclusions, refer to the policy
forms.
** Monthly
(EFT) - Bank draft from a checking account on the same day each month.
(Indiana & Ohio Residents
Only)
For more information, please send
an
email to Dave
MacDonald or call us:
Toll-free: (877) 341-5377
Local: (260) 422-5377
|
Our agency is presently licensed to write this plan only
in the State of Indiana.
We will be adding other states in the
near future. Please email Dave
MacDonald to inquire when your state may be added.
|
|
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