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Life
Term
¨ Annual renewable
¨ 5-30 years
¨ Return of premium
**Whole “Cash” Value
¨ Low cash (very low premium)-very high cash value
¨ Limited years to pay
Universal
¨ Total flexibility as to years pay
¨ Increasing coverage after age 100
¨ “Stop and go” method of payment
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Annuities
¨ Excellent products to accumulate cash on a tax-deferred basis with no costs
¨ Guarantee that principal and growth never below original deposit
¨ Flexibility for cash withdrawal
¨ Annuitization
¨ Nursing home care
¨ NO UNDERWRITING
Long Term Care
¨ Benefit periods of 1 year to lifetime
¨ Spousal coverage
¨ Return of premium
¨ Hospital care
¨ Nursing home care
¨ Home care
¨ Ease of underwriting
Disability
¨ Coverage is available for almost all job descriptions
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Robert Schill is a Registered Representative of and securities are offered solely by Equity Services, Inc., Member FINRA/SIPC, 354 Mountain View Drive, Suite 200, Colchester, VT 05446, (802) 864-6819. Schill Insurance Group is independent of Equity Services, Inc.
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