Polzin Insurance Summary of PRODUCTS AND SERVICES
To protect
the public and avoid misinterpretation of the services provided
by the advisor ,the following is
a summary of products and services offered. At no time is this to be construed as
a complete summary of all products sold in the industry but a summary of
products available from this office.
We suggest
that you speak to your advisor if you are interested in further information or
wish to discuss your personal situation.
By signing this
document you acknowledge the services and products sold and hold Polzin Insurance and
their advisors harmless if such products are not personally purchased or
discussed in detail.
If you wish
information outside of this list then please feel free to discuss it with your
agent and a best efforts action will be taken to provide you with a source and
description of benefits
Products
·
Life
Insurance , whole
life, term life ,term to 100 , limited pay life , quick pay life , universal
life , this insurance pays a lump sum on the death of an individual due to a
death as covered by the policy .It may have added features such as cash values,
paid up insurance or loan values
·
Disability insurance, accident and sickness, group
accident and sickness , individual , professional disability insurance, this product pays a lump sum or periodic
payment after a period of illness or injury whereby the individual is not able
to work at their current employment due to the inability to do such due to a
covered condition
·
Long term care insurance
hospital only or in home care or both ,This product pays a periodic
payment or lump sum on the confirmation of diagnosis of a permanent illness or condition
that limits the ability to care for oneself
·
Critical illness insurance,
ten year term term 20 term to 65
term to 75 term to 100 with or without return of premium. ?This
product pays a lump sum on the diagnosis of certain life threatening illnessie cancer heart attach stroke etc.
·
Group insurance individual or small companies up to 200 lives this provides such group benefits such as life
insurance, accidental death or dismemberment , long term disability , short
term disability insurance, extended heath care ie
drugs rehab and dental coverage . as defined in the policy
master contract.
·
RRSP or Segregated fund investments
, these are
funds used to invest in and plan your retirement . ie gic ,segregated funds
(similar to mutual funds but with guarantees on death or maturity .
·
·
Services
How much
insurance is enough? Debt consolidation and the payoff of such debt using life insurance
or other related product .
Discussions
in Estate planning and determining the amount of insurance necessary to pay estate expenses .
The basics in
creating a will (not legal advice but summary of terms and condition s, Divorce
and Insurance types
to comply with separation or matrimonial obligations
Offshore
insurance and where to purchase
Interpretation
of older policies and determination of current market value or reinstatement terms
and conditions
Explanation of
Viatical settlements and life settlements
Leveraged loans
using insurance as collateral
Policy agent
of record
By signing
this document the client or prospect acknowledges the agencies
product scope and assumes all liability
real or perceived as to the responsibilities of purchasing or interpreting such
products or their need for such products At this time the client acknowledges they hold the
agent and agency harmless if they decide not to purchase or not to discuss any
of the above products.
Signature of Client/prospect signature of agent dated at __________this ___day of ___________ 200___E&oe