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Insurance Broker/Agent
30 years of experience
License No. 0649378 Since 1982

14541 Brookhurst Street, Ste. C-1
Westminster, CA 92683
  Phone: (714) 531-3637
  Mobile: (714) 553-2404
  Fax: (714) 531-3633
  Email: johnlpham@yahoo.com
 

 
 
SafeShield®
SafeShield® is non-participating renewable term life insurance with a level death benefit.
BASE PLANS
SafeShield® is available with initial level premiums for 15, 20 or 30 years, and annual guaranteed renewable term premiums thereafter to age 95.
   
Issue Ages
(Age Last Birthday)
15-Year Term: 18 - 65
20-Year Term: 18 - 60
30-Year Term: 18 - 55
  SafeShield® Plus, which returns 50% or 100% of all base policy premiums paid to date at the end of the initial level term period, is available with initial level premiums for 20 or 30 years. The policy continues in force to age 95 with annual guaranteed renewable term premiums.
   
Issue Ages
(Age Last Birthday)
50% Return of Premium* 100% Return of Premium*
20-Year Term: 18 - 60 20-Year Term Non-Tobacco: 18 - 50
  20-Year Term Tobacco: 18 - 45
30-Year Term: 18 - 50 30-Year Term: 18 - 50
Issue Amounts   $25,000 - $250,000
Underwriting
  - Simplified Issue
  - Tobacco and Non-Tobacco underwriting classes
  - Standard issue only, issued through Table D
Premium Modes & Modal Factors
   
SafeShield® SafeShield® Plus
Annual 1.00 Annual 1.00
Semi-Annual .52 Semi-Annual .50
Monthly .087 Monthly .0833
  - Annual and Semi-Annual available through Direct Bill or EFT
  - Monthly available through EFT only
Policy Fee
   
SafeShield® SafeShield® Plus
$60 Annual Policy Fee No Policy Fee
Fully Commissionable Semi-Annual .50
Conversions
  The policy may be converted to a permanent plan of insurance after the first policy anniversary without evidence of insurability:
  - 15-Year Term: Through Year 10 or to age 65 if earlier
  - 20-Year Term: Through Year 15 or to age 65 if earlier
  - 30-Year Term: Through Year 25 or to age 65 if earlier
*In Pennsylvania, the Return of Premium benefit is called "Endowment Benefit".

 
Policies issued by
Columbian Life Insurance Company
 
Guarantees are backed by the financial strength and claims-paying ability of
Columbian Life Insurance Company
Binghamton, NY 13902-1381
1 (800) 423-9765
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