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 120: 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 120.
- Interest earning potential: Interest is linked to a formula based on changes in an index with a guaranteed minimum interest rate of 0%.
- Extended Maturity Option:As long as there is $1 of cash value at age 120, 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!
