{"id":31,"date":"2014-07-01T07:07:06","date_gmt":"2014-07-01T07:07:06","guid":{"rendered":"http:\/\/www.ocbis.com\/?page_id=31"},"modified":"2016-11-17T22:25:06","modified_gmt":"2016-11-17T22:25:06","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/www.ocbis.com\/index.php\/marketing-products\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"<h5>Term Insurance &#8211;<\/h5>\n<ul>\n<li>Guaranteed level premiums for a specified period of time &#8211; ART, 5-Year, 10-Year, 15-30 Years or level premiums to age 65<\/li>\n<li>Return of premium term &#8211; 15-Year, 20-Year and 30-Year<\/li>\n<\/ul>\n<h5>Universal Life &#8211;<\/h5>\n<ul>\n<li>Guaranteed premium (GPUL) with lifetime premium and death benefit guarantees<\/li>\n<li>Current assumption with greater cash value potential but without long-term guarantees<\/li>\n<li>Indexed UL with interest credits based upon well known stock indexes &#8211; higher potential returns with no downside risk<\/li>\n<\/ul>\n<h5>Survivorship Life &#8211;<\/h5>\n<ul>\n<li>Insures two persons and pays the death benefit on the death of the latter insured &#8211; most often used for the payment of estate taxes or to enhance an estate<\/li>\n<\/ul>\n<h5>Whole Life &#8211;<\/h5>\n<ul>\n<li>Traditional life insurance that may or may not offer dividends &#8211; participating or non-participating<\/li>\n<\/ul>\n<h5>Simplified Issue &#8211;<\/h5>\n<ul>\n<li>Policies that can be issued with minimal underwriting at limited amounts of coverage, generally $300,000 or less in beneft. May also include smaller &#8220;burial&#8221; types of policies<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><span style=\"color: #000000;\"><strong>Have you tried this?<\/strong><\/span><\/p>\n<p><a href=\"http:\/\/vsa.fsonline.com\/vsa\/company\/ida-l\/index.html\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-1025\" src=\"https:\/\/www.ocbis.com\/wp-content\/uploads\/2014\/07\/Vitual-Library-300x77.jpg\" alt=\"Vitual Library\" width=\"300\" height=\"77\" srcset=\"https:\/\/www.ocbis.com\/wp-content\/uploads\/2014\/07\/Vitual-Library-300x77.jpg 300w, https:\/\/www.ocbis.com\/wp-content\/uploads\/2014\/07\/Vitual-Library.jpg 377w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p><span style=\"color: #ff0000;\"><strong>Life Insurance Awareness Materials Available<\/strong><\/span><\/p>\n<p>Due to the popularity of the product agnostic materials on the LIAM page created for September promos, the logo at the top from Life Insurance Awareness Month to <a href=\"http:\/\/retirestronger.com\/producers\/liam\/liam.html?cmpid=EMC-MktgWrapUp-LIAM-Oct302014\">Life Insurance Awareness Materials<\/a> to extend the usage of this information<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Term Insurance &#8211; Guaranteed level premiums for a specified period of time &#8211; ART, 5-Year, 10-Year, 15-30 Years or level premiums to age 65 Return of premium term &#8211; 15-Year, 20-Year and 30-Year Universal Life &#8211; Guaranteed premium (GPUL) with lifetime premium and death benefit guarantees Current assumption with greater cash value potential but without [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":29,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-31","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.ocbis.com\/index.php\/wp-json\/wp\/v2\/pages\/31"}],"collection":[{"href":"https:\/\/www.ocbis.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.ocbis.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.ocbis.com\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ocbis.com\/index.php\/wp-json\/wp\/v2\/comments?post=31"}],"version-history":[{"count":15,"href":"https:\/\/www.ocbis.com\/index.php\/wp-json\/wp\/v2\/pages\/31\/revisions"}],"predecessor-version":[{"id":1834,"href":"https:\/\/www.ocbis.com\/index.php\/wp-json\/wp\/v2\/pages\/31\/revisions\/1834"}],"up":[{"embeddable":true,"href":"https:\/\/www.ocbis.com\/index.php\/wp-json\/wp\/v2\/pages\/29"}],"wp:attachment":[{"href":"https:\/\/www.ocbis.com\/index.php\/wp-json\/wp\/v2\/media?parent=31"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}