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Advance Wealth Transfer offers affordable, guaranteed death benefit protection combined with innovative living benefits. Oxford Life created Advance Wealth Transfer for individuals who are interested in transferring wealth to their heirs with minimal tax or probate consequences.
Benefits:
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The policy is guaranteed by Oxford Life and will not be affected by market fluctuations.
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The policy will provide guaranteed cash values that will increase each year.
- There is a loan feature that will allow you access to cash values.
If you become terminally ill (defined in the rider to this policy as having a life expectancy of less than 12 months), Advance Wealth Transfer offers terminal illness protection equal to 75% of the policy death benefit (maximum $100,000). If you are fortunate enough never to need this accelerated benefit, the Advance Wealth Transfer death benefit will pass entirely to your beneficiaries.Innovative Nursing Home and Home Health Care benefits provide an alternative to supplement your long-term care needs. Meeting the cost for long-term care is fast becoming a major financial dilemma for many seniors. With the average annual cost of a typical stay in a nursing home currently more than $50,000, the effect on retirement savings plans could be devastating.
This benefit allows for a monthly acceleration of the policy face amount, payable after you have been diagnosed as chronically ill and confined to a nursing home facility for a period of 90 days or more. The amount of accelerated benefit available is determined by the number of years the policy is in force prior to the start of the confinement. If the policy has been in force less than 5 years... The benefit is equal to 1% of the policy face amount, payable monthly (subject to a maximum of $4,000 per month). If the policy has been in force 5 years or longer... The benefit is equal to 3% of the policy face amount, payable monthly (subject to a maximum of $4,000 per month).
If you are chronically ill and have been receiving home heath care for a period of 90 days or more, you are entitled to receive an accelerated benefit of 1% of the policy face amount, payable monthly (subject to a maximum of $2,000 per month).
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Under no circumstances will Oxford Life Insurance ™ or its suppliers be liable for any damages or injury that result from the use of the materials on this site. Some jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, in which case the above limitation may not apply to you. Our products are not available in all states. Please check with your authorized Oxford Life Insurance Agent for more details. **Oxford Life Insurance Company and its various affiliates are not financially responsible for each others' products.
The information printed in not a representation of a current, past or future offer from this company past, present or future and this company will not be help liable for any offer expressed, implied, or planned to be offered in the future by this company in this form or future organization.
The information printed in not a representation of a current, past or future offer from this company past, present or future and this company will not be help liable for any offer expressed, implied, or planned to be offered in the future by this company in this form or future organization.
