Apply Online

Apply Online

F. A. Q.


Contact Us



Live support

McAfee Secure sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Investment Life Insurance

Some policies allow the policyholder to participate in the profits of the insurance company these are with-profits policies. Other policies have no rights to participate in the profits of the company, these are non-profit policies.

With-profits policies are used as a form of collective investment to achieve capital growth. Other policies offer a guaranteed return not dependent on the company's underlying investment performance; these are often referred to as without-profit policies which may be construed as a misnomer.

With investment-type life insurance you normally contribute monthly to a policy. Some policies only pay out when you die. Others pay out a cash amount on a specified date or on death. The amount paid out by investment-type policies depends on how well the investments in the insurance fund have performed.

Policies that only pay out if you die

  • whole of life insurance

Policies that pay out if you die, and if you don't

  • with-profits bonds
  • unit-linked bonds
  • income and growth bonds 
  • endowment policies 
  • maximum investment plans 
  • other life insurance which builds up a value that you can cash in

An annuity is a contract with an insurance company whereby the buyer pays an initial premium or premiums into a tax-deferred account, which pays out a sum at pre-determined intervals. There are two periods: the accumulation (when payments are paid into the account) and the annuitization (when the insurance company pays out saved funds). For example, a policy holder may pay $10,000, and in return receive $150 each month until he dies; or $1,000 for each of 14 years or death benefits if he dies before the full term of the annuity has elapsed. Tax penalties and insurance company surrender charges may apply to premature withdrawals (if indeed these are allowed).

To learn more about different types of investment life insurance policies, please, fill out our easy online application. Our professional counselor will contact you to help you find the right policy that meets your personal needs. 

Apply Online

Home | Security and Privacy | Products & Services | Partnership | Sitemap

Copyright © All rights reserved,, 2007