FREEDOMFLEX® brochure (English) [PDF]

FREEDOMFLEX® brochure (Español) [PDF]


Saving for retirement has never been easier! With our FREEDOMFLEX® product, we offer you the solution of a financially sound retirement as well as the peace of mind that comes from knowing that in the case of premature death or disability you are covered by a term to age 100 life insurance certificate/policy.


FREEDOMFLEX® is a deposit term life insurance product. In the first year, part of your premium is allocated to a modified premium term to age 100 life insurance certificate/policy as well as an optional disability benefit. The remainder of your premium is allocated to the endowment portion of the certificate/policy and matures in 10 years. At the end of 10 years, this additional premium is returned to you at about 260% of its original value, provided the plan is not cancelled before the initial 10 years are up.


After the first year, part of your payment is still allocated as required premium for the term life insurance and optional disability benefit. And your remaining premium now goes to work for you in your choice of wealth accumulation vehicles. Wealth accumulation vehicles can be, for example, a no load mutual fund of your choice. Having a choice gives you control over your investment strategies. Which ever option you choose, 100% of your non-life insurance premium dollars goes to work for you.


At the end of 10 years you’ll have the flexibility to determine what is best for you. You may stop payments entirely or continue them for as long as you wish. Depending on your specific needs, the life insurance coverage may be renewed for another 10 years, canceled, or continued as decreasing term insurance until age 100. Payments to the wealth accumulation vehicle are also flexible. They may be stopped after 10 years or continue as long as you wish.


FREEDOMFLEX® is peace of mind in knowing you and your loved ones will be covered if the unthinkable happens as well as confidence in knowing that you are accumulating wealth for retirement. Contact us today for a quote and for more information.

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