Competitor

Competitor Universal Life

Beneficial Financial Group's Competitor offers you these advantages:

• Permanent insurance protection
• Flexible premiums and adjustable benefits
• Competitive premiums
• Excellent long-term cash-value accumulation
  

Policy Riders
The following three riders are included with Competitor at no additional cost:

• The Accelerated Benefit for Chronic Illness (ABCI) allows the policyowner to receive a discounted advance payment of part or all of the policy death benefit when the insured has a covered chronic illness. There are no restrictions on the use of the funds.
• The Accelerated Benefit for Terminal Illness allows the policyowner to receive up to 80 percent of the face amount of the policy (up to a maximum benefit of $200,000) in the event of a terminal illness, as defined in the policy.
• The Charitable Giving Benefit provides that Beneficial will pay up to 1 percent of the policy amount ($500 minimum and $10,000 maximum) to a qualified charity of the policyowner’s choice in his or her name, without reducing the death benefit payable to the beneficiaries.

Competitor Universal Life form: 5-106-54. Accelerated Benefit for Chronic Illness form: ABCI-04-1 or ABCI-04-02. Accelerated Benefit for Terminal Illness form: B10. Charitable Giving Benefit form: E-CHARIT. Fixed life products are offered by Beneficial Life Insurance Company, 150 Social Hall Ave., P.O. Box 45654, Salt Lake City, Utah 84145-0654, (801) 933-1100. These products are not available in all states. Beneficial Financial Group is a marketing name for Beneficial Life Insurance Company, its affiliated companies, and sales representatives. The policy contains the actual governing contractual provisions. Guarantees are subject to the claims-paying ability of the insurer. Beneficial Financial Group and its respective agents, representatives, and/or advisors, do not offer tax or legal advice. Please consult your attorney, accountant, or tax advisor about specific points of interest to you.