P E R K P L A C E .com Sign up for PayPal and start accepting credit card payments instantly.
The Place for Perks on the World Wide Web
MALL DIRECTORY PRICELESS LEGACIES MORTGAGE PROTECTION MARKETING GOTTABUY.COM CONTACT US
Your home may be your most valuable asset....Protect it TODAY!

If you died, would your family have enough money to pay off the mortgage?


If you were unable to work for an extended period of time, would your family have enough money to pay the mortgage each month?


If you lost your job, would you still be able to afford your insurance premiums?


Home Mortgage Series is a portfolio of term life insurance products that may help you and your family keep your home if the unexpected happens.


Protect Your Home TODAY!

Protecting your home for yourself and your family could be the wisest move you ever make. It is easy to do with Home Mortgage Series (HMS). Term insurance helps protect your mortgage and your family from the financial devastation that can come with premature death, disability, or critical illness.

HMS and its optional benefit riders provide cash when needed to:

• Help pay the mortgage if you die.
• Help pay the mortgage if you are disabled.
• Provide a lump sum cash payment if you
  suffer a qualifying critical illness.
• Protect your valuable coverage if you
  become involuntarily unemployed or
  totally disabled.

Plus, if you outlive your rider coverage, we will return your premiums at the end of the rider premium period (less any benefits paid under the Disability Income Rider) if you elect the Return of Premium Rider.

HMS Helps Pay the Mortgage
at Death.

You select the amount of coverage you need and the period that most closely matches your mortgage. You have the option of 15-, 20-, 25-, or 30-year periods. The death benefit remains level for the entire term. In the event of your death, the benefit is paid directly to your beneficieries. They can use the money to help pay off the mortgage or for any other financial needs.

 

HMS Provides Cash When
Critically Ill.

Your need for additional cash may be great if you are diagnosed with a critical illness. Lost income and medical expenses could take a toll on your family budget. The optional Critical Illness Accelerated Benefit Rider will advance you up to 50% of the death benefit if you are diagnosed with a qualified critical illness. Having access to this money could make an important difference in the quality of your life and the life of your loved ones. Benefits and qualified critical illnesses vary by state. Contact us for specific variations.

HMS Returns Premiums Paid.

Hopefully, you will outlive your mortgage in good health. If you elect the Return of Premium Rider and outlive your rider coverage, Americo will return 100% of the premiums you paid at the end of the rider premium period less any Disability Income benefits paid. Should you terminate early, you are entitled to a partial refund after the 5th year until it reaches 100%. (Return of Premium Rider is not available in all states.)


Life insurance you can count on to help protect your mortgage.


If you elect the Endowment or Cash Value Rider and outlive your rider premium period, Americo will send you a payment equal to 100% of total premiums paid at the end of the rider premium period. (The cash Value Rider must be terminated to receive payment.) Should you terminate the rider early, you are entitled to a partial benefit after the 5th year. The benefit increases yearly and will reach 100% at the end of the premium period. The Endowment Rider is available in IN, KS, OR, and TX. The Cash Value Rider is available only in PA. Benefits paid under the Cash Value Rider will be reduced by any Disability Income benefits paid.

HMS Helps Pay the Mortgage
Payment During Disability.

When you select the DIsability Income Rider, you may receive a monthly income of up to $2,000 for up to two years in the event you become totally disabled. Money paid to you under this optional benefit rider can be used to help pay for your mortgage or other bills.
 

HMS Protects Your Coverage
if Unemployed or Disabled.

When you select the Waiver of Premium for Disability RIder, not only will your monthly premiums be waived if you become totally disabled, but you will also receive additional unemployment protection at no additional cost. The Involuntary Unemployment Waiver of Premium Rider will be added automatically when the Waiver of Premium for Disability Rider is selected. With this extra protection, you can keep your valuable coverage during a total disability or a period of involuntary unemploymnent.


Helps provide peace of mind when you need it most.


HMS Offers Guaranteed
Level Premiums.

Americo offers you various level and guaranteed premium periods that are designed to suit your needs. Premiums can be guaranteed level for the full period or for only five years. Guaranteed Level Premium Periods are available for periods of 15, 20, 25, and 30 years.

HMS Offers Coverage
for a Spouse.

You, like many Americans, may depend on your spouse's income to make the mortgage payment and provide resources for other expenses. The Additional Insured Term Insurance Rider adds coverage for your spouse in an amount equal to or less than the base face amount.

HMS Offers Coverage
for Your Children.

The Children's Term Rider provides up to $15,000 of additional insurance coverage for each child. Coverage is provided up to age 25 and then may be converted into a new individual policy for up to five times the initial rider amount.

HMS Offers an Accidental
Death Benefit.

The Accidental Death Benefit Rider provides an additional death benefit if your death is the result of an accident.

Click here to request a FREE quote.
Click here for more information about other Americo products.
Americo Financial Life and Annuity Insurance Company is authorized to conduct the business of insurance in the District of Columbia and all states except AK, NY, and VT.

PerkPlace.com is for your information and entertainment only.
We do not warrant the correctness of its content.
The risk from using it lies entirely with you.
While using this site, you agree to have read and accepted our Terms of Use and Privacy Policy.
Copyright 1999-2009 by PerkPlace.com. All Rights Reserved.