ADLF 2865 0499 Rev. 10-2002
HomeCertain
Point-of-Sale Flip Chart
It Can be Used to Pay Your
Mortgage if You Die
Refunds All Your Money if You Live
SM
Insurance if You Need it –
Assurance if You Don’t
Losing Your Home
is a Real Risk
Every year, many families lose their homes.
The reason...
They fail to protect this important asset from
• Death
• Critical Illness
• Disability
• Unemployment
They find they do not have enough money to pay bills and taxes to
clear the estate, or there is not enough income to support the family
and home.
It can happen to YOU.
• The 1999 age-adjusted death rate for the United States was
881.9 deaths per 100,000, a 0.7 percent increase from the
1998 rate.
*• One out of every four American deaths is due to some form
of cancer.
**• For persons aged 15 years and over, a total of 5,651 deaths were
reported on death certificates due to injuries at work.
***• One out of every ten American workers will become unemployed
this year for a week or more. Most will remain unemployed for
more than 13 weeks.
*****National Vital Statistics Report, Vol. 49, No. 8, September 21, 2001. **National Cancer Institute, October 2001.
***National Vital Statistics Report, Vol. 49, No. 8, September 21, 2001.
Don’t Take a Chance
on Losing Your Home
It is easy and affordable to
secure your family’s future
and their home.
HomeCertain:
• Easy, affordable life insurance protection
for your family’s future
• Funds can be used to pay off the mortgage or
other debts
• Income to support your family
• Money to pay bills and estate taxes
“HomeCertain represents a commitment on
our part to provide assurance and security at
a time in your life when you need it the most.”
Harry Stout, President
The HomeCertain Advantage
Upon Death - HomeCertain provides a death
benefit that can be used to pay off your mortgage
balance, leaving your family without payments
and in their own home.
Upon Disability - HomeCertain can provide a
monthly benefit roughly equal to your mortgage
payment for up to two years.
Upon Critical Illness - HomeCertain can provide
a lump sum payment if the insured is diagnosed
with a covered critical illness. It is suggested that
a benefit equal to 12-24 months of mortgage
payments be purchased; however, a benefit can
be purchased up to 100% of the base policy face
amount.*
*Certain states only allow for a lump sum payment of up to 50%. Full rider benefits cannot exceed $250,000. The rider may not be available in all states.
Upon Unemployment - HomeCertain pays the
coverage premium while the insured is
But What If I Never
Need the Protection?
What Happens to
My Premiums?
Choose HomeCertain’s Money Back Rider and
GET ALL YOUR PREMIUMS REFUNDED AT
THE END OF THE COVERAGE TERM!
That’s right. HomeCertain can refund all of
your premiums if you never use a protection
feature of the product!
Even if you use some of the features but don’t die,
you will still receive a refund of the premiums,
minus the amount paid out in benefit if the policy ends
A HomeCertain Example:
Mr. and Mrs. Stone (both age 35 and
nonsmokers) have decided to protect their
family’s future with a HomeCertain level
term policy.
The Stones also have a 30-year fixed mortgage
and have requested a $100,000 HomeCertain policy.
They have four convenient options to choose from.
*Maximum Monthly DI Benefit (on basic insured only) - $1,500 ($1,500 x 24 months = $36,000 maximum in total benefits) **Critical Illness Benefit (on basic insured only) - $1,500 ($1,500 x 24 months = $36,000 paid in lump sum).
†Beginning at the end of coverage year six, an increasing percentage of premiums paid is refunded at early termination. Note: F&G Life offers a choice of payment modes. Payment modes other than annual result in higher premiums being paid.
HOMECERTAIN (OPTION #1)
$43.38
Life Insurance Protection for 30 Years
Unemployment Protection for up to 6 months
Accidental Death Benefit of $50,000
HOMECERTAIN (OPTION #2)
$54.18
Life Insurance Protection for 30 Years
Unemployment Protection for up to 6 months
Accidental Death Benefit of $50,000
Refund of All Premium
(Premium Refund of $19,505)
†HOMECERTAIN (OPTION #3)
$89.28
Life Insurance Protection for 30 Years
Unemployment Protection for up to 6 months
Accidental Death Benefit of $50,000
Refund of All Premium
(Premium Refund of $32,141)
†Disability Protection*
HOMECERTAIN (OPTION #4)
$107.88
Life Insurance Protection for 30 Years
Unemployment Protection for up to 6 months
Accidental Death Benefit of $50,000
Refund of All Premium
(Premium Refund of $38,837)
†Disability Protection*
Critical Illness Protection**
What Do You Want in
Your HomeCertain Policy?
• Death Benefit Sufficient to Cover Mortgage
Balance or other debts
• Refund of Premium if Protection Isn’t Needed
• Disability Protection
• Critical Illness Protection
• Accidental Death Protection
• Unemployment Protection
• Other Insured Protection
• Ultimate Income Distribution
• Children’s Protection
Note: The Child’s Rider, the Critical Illness Rider, the Ultimate Income Rider, the Unemployment Rider, the Accidental Death Benefit Rider, and the Waiver of Premium Rider coverages only apply to the primary insured.
Let’s Talk About Your Needs,
and Your HomeCertain Policy ...
HomeCertain
SM
–
Protection when you need it;
a refund if you don’t!
About F&G Life
Fidelity & Guaranty Life Insurance Company - headquartered in
Baltimore, Maryland - offers a diverse portfolio of annuities and
life insurance products to help families and businesses achieve
secure financial futures.
Incorporated in 1959, we are licensed in 49 states and in the
District of Columbia. In New York, products are available
through a wholly owned subsidiary.
F&G Life is a member of the Old Mutual plc group of companies.
Founded in 1845, the London based Old Mutual is active in life
insurance, asset management, banking, and property and
casualty insurance. Old Mutual maintains its primary listing on
the London Stock Exchange (LSE: OML) and ranks as a FTSE 100
financial services group.
As one of the first members of the Insurance Marketplace
Standards Association, we subscribe to a strict set of standards
that confirm our commitment to honesty, fairness, and integrity
in every aspect of the sales and service of life and annuity
Consider all the facts, then make your own decision.
F&G Life offers term life insurance products with different product features, benefits, and charges, including
different term durations, issue ages, guaranteed premium periods, and underwriting classifications.
For all of the details about the dynamic HomeCertain from F&G Life, contact your licensed sales
representative today, e-mail us at contact-us@fglife.com, or visit us on the World Wide Web at
www.fglife.com.
Of course, as with any other insurance product, when you select a life insurance policy, you must carefully
consider your own financial situation and the many alternatives available to you. No single life insurance
product design may have all of the features you find desirable. Therefore, it is important to understand the
features available so that you can make the best decision for you and your family.
This product is offered on a group or individual basis as determined by state approval. Individual Policy Form: FGL MLT-U (9-98); FGL MDT-U (10-98); et al.
Certificate Form: FGL MLT-U-C (9-98); FGL MDT-U-C (10-98); et al.
Terms and conditions are set forth in the Group Policy Number: FGL MLT-U-P (9-98); FGL MDT-U-P (10-98); et al, issued to the Trustee of the F&G Group Insurance Trust, Wilmington, Delaware. It is subject to the laws of the state in which it is issued. A certificate of coverage will be issued to persons who become insured under the plan.
Comments contained in this brochure reflect our understanding of the current tax law treatment of this type of contract. Since the laws are subject to different interpretations and possible changes in the future, we recommend that clients
consult their own tax advisors.
This document is not a legal contract and descriptions of policy provisions are only partial. For exact terms and conditions, please refer to the policy. The policy, riders and/or certain features of the policy and riders may not be available
in all states.
Not a deposit • Not FDIC insured • Not insured by any Federal Government Agency • Not guaranteed by a financial institution (such as a bank, savings association or credit union) • The financial institution may not condition an extension of credit on the consumer’s purchase of an insurance product or an annuity from the financial institution or any of its affiliates. The consumer is free to purchase the insurance product or annuity from another source.