U.S.A. Marketing - U.S.A. Life Products

UNIQUE CONCEPTS:
The offering of CICA LIFE's Fortune-building, cash accumulation products is one of the most exciting living, life insurance benefit concepts available in the U.S.A. today. This unique, whole life, cash accumulation concept addresses the major financial concerns of every citizen worldwide. The question is not, will you die? But instead, are you financially prepared to live 30, 40, or 50 years after age 65? The odds are you may actually live that long.

The CICA LIFE Fortune-building plan addresses the issue of outliving your monthly income, and at the same time, provides death benefits in case of an early demise.

Depending on the insured's age when the policy is obtained, it provides a monthly guaranteed lifetime income several times the premium amount you paid for the plan. In other words, you can have a lifetime income, be protected against death, and the amount you pay for the plan will he paid back regardless of whether you live or die. Sound interesting?

MEETING NEEDS:
CICA LIFE's products focus on living needs, while providing death insurance as a side benefit of accumulating money for yourself. The Fortune-building policy contains tax-deferred, cash accumulation features which build up large amounts of cash and annuity values, returns the premiums, waives payments, and pays triple death benefits if death is accidental. The purpose of CICA LIFE's Fortune plan is to cause you to create personal capital for living needs such as: retirement income, children's higher educational, business opportunities, emergencies and health care, etc.

COMPONENTS:
The uniqueness of CICA LIFE's Fortune-builder, cash accumulation plan lies in the fact that it is custom-designed, featuring special living-benefit insurance which places the emphasis on personally receiving cash benefits for the premiums you pay. There are two guaranteed cash-value, living-benefit components. Every policy contains an interest-bearning, cash-value accumulation account, plus an interest-bearing annuity account. This dual cash build-up construction causes the major part of each payment you make to go into cash value accounts to create income for your future use. The annuity account is flexible, free of initiation cost, and free of surrender charges; in other words, an owner may deposit or withdraw funds from the annuity account with no loss in dollar value. The secret to the growth of the money you pay in is the compound interest you earn over a period of time. There are some limitations on withdrawals, but no surrender fees or charges.

ANNUAL BENEFITS:
Each year, beginning the second policy year, and each year thereafter, the Fortune-Builder policy pays you an annual annuity benefit, equal to approximately half of the annual premium amount you paid, which is credited to your annuity account, which earns a current compound interest rate of 5.0%.

There is no limit to the amount of additional money you can deposit in your annuity account. There are no surrender charges; no entry fees or cost; and, you can safely accumulate as much money as you wish for future personal needs.

To obtain information about these products or sales opportunities with CICA LIFE, please contact the U.S.A. Marketing Department electronically through "Your Communication" space on the "Response" page of this section.

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