U.S.A. Life Products - Policy Features

CITIZENS' C CAP cash accumulation policies emphasizes living benefits for policyowners as opposed to death benefits for beneficiaries. Although death benefits are provided, the policies' primary emphasis is tax deferred build-up of capital through guaranteed cash values, annuities, and interest. There is also a return of premiums paid, plus a death benefit if you die. At age 65, the policies provide a guaranteed monthly lifetime income, several times the amount of the monthly premiums paid. The policy provides the insured, or beneficiary, a monthly income as long as they live. The income can be taken in single or joint life payments.

Another exciting feature of CITIZENS' living benefit policies is that the policyowner can assign annual policy benefits, as well as other amounts, for potential gains, and then return the funds to the policies to obtain a greater lifetime income under the settlement options.

Failure to plan for a life expectancy that may extend well beyond 100 years could prove to be a very costly mistake. In the U.S. at present, there are approximately 66,000 centenarians. The U.S. Census Bureau predicts the over 100 age group will increase to more than 830,000 by the middle of the century (August 18, 1999, Austin American-Statesman).

To obtain information about products or opportunities with CITIZENS, please contact the U.S. Marketing Department electronically through "Your Communication" space on the "Response" page of this section. To e-mail, write, call or fax, please return to the Home Page.