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HomeCertain
Term Life Insurance
General Protection for You, Your Family and Your Home.
If you die, become disabled, or are diagnosed with a critical illness, will your
family’s home be protected?
HomeCertain Term Life Insurance offers both protection and flexibility when protecting
your family's future. HomeCertain can be used to help pay off the mortgage if you
die, refund premium payments if you live, and provide you with the income to make
mortgage payments if you become disabled or critically ill! And, with the Accidental
Death Benefit Rider, an additional 50% of HomeCertain's face amount is paid,* in
the event of certain accident-related deaths.
*Up to $125,000.
MasterChoice
Indexed Universal Life Insurance
Provide Protection and Growth for You and Your Family
Life is full of the unexpected. Are you looking for insurance that offers the flexibility you need to combat those twists and turns and guarantee protection for you and your family?
Indexed Universal Life insurance is a sound choice. Along with providing a death benefit if you die, MasterChoice also provides tax-deferred growth of your account value, growth linked to a formula based on changes in an equity-index, flexible premium options, a variety of riders and waivers, and two death benefit options.
OM Financial Life’s MasterChoice® offers one of the most competitive indexed universal life insurance design.
Outstanding Features include:
- No Lapse Premium Guarantee to age 100: Assures you that no matter what economic conditions may arise, you have a contract with an affordable premium, which guarantees the death benefit to age 100.
- Interest earning potential: Interest is linked to a formula based on changes in an index with a guaranteed minimum interest rate of 1%.
- Extended Maturity Option:As long as there is $1 of cash value at age 100, the death benefit will remain in force for life and at no cost.
- Surrender Charge Waiver:No surrender charge applies to premium in excess of total target premium. This provides exceptional liquidity if you wish to exercise a 1035 exchange or make a lump sum payment.
- 100% Guaranteed Participation Rate: Subject to a cap. This cap is guaranteed annually and can never be less than 3%.
- Point to Point Annual Reset: Account value growth based on a formula linked to the S&P 500® Index.
- Tax free death benefit if you die.
MasterElite
Indexed Universal Life Insurance
Be Elite with MasterElite – Helping you master financial success and security
MasterElite IUL, offers a number of options that not only provide for exceptional safety and security in the future, but incredible protection and benefits for you and your loved ones now. For example, MasterElite provides a number of options to take out low-cost loans, while still earning interest and value on the security of your family’s future.
OM Financial Life’s MasterElite® offers one of the most competitive, flexible indexed universal life insurance designs available today!
Saver's Select
Term Life Insurance
While some other term plans may offer protection at low cost, Saver’s Select
Term can ultimately return all of the premiums you have paid over the term period.
That’s right — with the availability of an optional Return of Premium
Rider, Saver’s Select Term stands apart from the rest.
With it, you can receive a refund of all premiums at the end of the term period.
It’s simple: you get the death benefit if you die, and the money back if you
live! However, any refund will be reduced by any rider benefits used, such as a
disability or waiver of premium.*
* Refunds will be prorated if the policy is terminated prior to the end of the initial term period.
No refund is made if the policy is terminated less than six years from the issue date.
SecureMaster
Universal Life Insurance
Life Insurance Made Simple
Life has many variables. Because of this, it is important to protect your future
with a life insurance product designed to meet all your final expense needs. SecureMaster is a universal
life product from OM Financial Life Insurance Company and is an ideal choice.
It offers affordable coverage in amounts of $10,000* to $100,000.
- *In the State of Washington, the minimum face amount is $25,000 for ages 72 and
greater; for ages under 72, the minimum face amount is $10,000.
ValueMaster
Universal Life Insurance
Introducing Value, Protection and Flexibility …with ValueMaster®
One of the few constants in the world today seems to be change. OM Financial Life Insurance Company understands that with the ever-evolving landscape of your life, what meets your needs today may not necessarily meet the needs of your future. With this in mind, OM Financial Life would like to introduce you to ValueMaster® Universal Life Insurance.
ValueMaster® offers a wide variety of options allowing you to tailor your life insurance coverage to your needs now, as well as to the needs of your family in the future. From flexible premium payments to income tax-free benefits and a convenient “catch-up” feature, ValueMaster® offers a broad spectrum of benefits that will help protect you and your family during the changing seasons of your lives.
With ValueMaster® UL from OM Financial Life, you will never pay for more than you need.
WealthMaster Classic
Fixed Universal Life Insurance
Guarantees, Flexibility, Choice – the ideal ingredients for today and tomorrow.
Life is full of the unexpected. Are you looking for insurance that offers the flexibility
you need to combat those twists and turns and guarantee protection for you and your
family?
Universal life insurance is a sound choice. Along with providing a death benefit
if you die, universal life also provides tax-deferred growth of your account value,
competitive interest rates, flexible premium options, a variety of riders and waivers,
and two death benefit options.
OM Financial Life Insurance Company’s WealthMaster Classic offers one of the most competitive
universal life insurance designs available!
Policies issued by OM Financial Life Insurance Company, Baltimore MD/OM Financial Life Insurance Company of New York, Purchase NY
