MILLENNIA VISION SERIES
I. MILLENNIA PLUS - Participating whole-life policy
 
  • Builds large U.S.-dollar amounts for retirement, pension, family or business protection
  • Designed to provide monthly lifetime retirement income or lump sum return
  • Provides terminal illness and dismemberment benefits
  • Issuable to ages 0 to 75 to qualified individuals
    1. Minimum $50,000 ages 0 to 65
    2. Available ages 66 to 75 for $10,000 to $25,000 face amount
II. JOINT MILLENNIA - Participating whole-life policy for two insureds
 
  • Protects first-to-die of two insureds (spouses, family members or business partners) or both, if deaths are simultaneous
  • Issuable to individuals ages 15 to 65
  • Provides terminal illness and dismemberment benefits
  • Designed to provide monthly lifetime retirement income or lump sum return
III. FAMILY MILLENNIA - Participating whole-life policy for entire family
 
  • Provides similar benefits to Millennia Plus
  • Designed to provide monthly lifetime retirement income or lump sum return
  • Foresees additional 50% death benefit for spouse and 10% death benefit for all children, regardless of number
  • Provides paid-up insurance protection to family upon death of primary insured and convertibility for spouse and children
  • Issuable to qualified heads of household between ages of 18 and 60 years
IV. MILLENNNIA 10 - 10-Pay Whole-life participating policy
 
  • Designed to accumulate large amounts of money with 10-year premium-payment period
  • Similar to Millennia Plus, but fewer premium payments
  • Issuable to qualified individuals between the ages of 0 and 55
  • Fully paid up in ten years, while insurance benefits and values continue for lifetime of insured
V. SENIOR MILLENNIA - Whole-life participating plan with 10-year increasing benefit
 
  • Designed for older individuals to provide for death and estate planning benefits
  • Requires no medical exam
  • Issuable to qualified individuals between the ages of 60 and 85 years
  • Available in initial face amounts of $6000 to $10,000
VI. FUTURE PLUS - Whole-life 20-pay participating policy
 
  • Structured, limited payment period that accumulates large cash amounts
  • Twenty-pay policy
  • Pays face amount, plus returns all premiums in the event of death during payment period
  • Provides terminal illness and dismemberment benefits
  • Partial endowment at 20 years
  • Supplementary deposit contract available after 20 years, providing for retirement benefits in a guaranteed monthly lifetime income
  • Issuable to qualified persons ages 0 to 50 years
VII. CYBER PLUS - Whole-life participating policy for children
 
  • Minimum $50,000 face amount
  • Provides benefits similar to Millennia Plus
  • Issuable to children between the ages of 0 and 14
  • Designed to provide exceptional educational and retirement funds
  • Increases automatically five times on child's 21st birthday, from $50,000 to $250,000, without evidence of insurability
VIII. DYNASTY PLUS - Endowment policy at age 65
 
  • Minimum $50,000 face amount, except for ages 45 to 55 in which $25,000 face amount is available
  • Provides similar benefits as Millennia Plus
  • Issuable to qualified individuals between the ages of 0 and 55
  • Designed to build up guaranteed cash values equal to 143.9% face amount at age 65
IX. CLASSIC 20 - 20-year endowment policy
 
  • Designed to accumulate large amounts of money over a limited time period
  • Provides for guaranteed cash value of policy to equal face amount of the plan in 20 years
  • Provides terminal illness and dismemberment benefits at no additional charge
  • Issuable to qualified individuals between the ages of 0 and 55 years
  • Designed to provide monthly lifetime retirement income or lump sum return
X. CLASSIC 15 - 15-year endowment policy
 
  • Designed to accumulate large amounts of money over a limited time period
  • Provides for guaranteed cash value of policy to equal face amount of the plan in 15 years
  • Provides terminal illness and dismemberment benefits
  • Issuable to qualified individuals between the ages of 0 and 55 years
  • Designed to provide monthly lifetime retirement income or lump sum return
XI. CLASSIC 10 - 10-year endowment policy
 
  • Designed to accumulate large amounts of money over a limited time period
  • Provides for guaranteed cash value of policy to equal face amount of the plan in 10 years
  • Provides terminal illness and dismemberment benefits
  • Issuable to qualified individuals between the ages of 0 and 55 years
  • Designed to provide monthly lifetime retirement income or lump sum return
Note: All policies available to minors where applicable for a minimum of $25,000, if a parent or grandparent already owns a policy with CICA LIFE.



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