Life Assurance Society
Avenue of the Americas
York, New York 10104
Life Insurance Society began business in 1859 and in 1976
began selling variable life, which was the first investment, based
life insurance in the United States.
Products and services of Equitable Life are sold by over
7,500 retail financial professionals.
Equitable had over $82 billion in assets at year-end 1998
and at the end of 1999 had over $256 billion of life insurance in
A.M. Best – A+
Moody’s – Aa3
Poor’s - AA
is life insurance?
Life insurance is an
agreement by an insurance company to pay a specified sum when someone
dies. The agreement is a contract between the insured person and the
insurance company that provides the insurance. If the insured dies while
the life insurance policy is in force, then the life insurance company
pays the death benefit according to the beneficiary designations that the
insured has provided.
When a life insurance plan is made, it is important to plan for more than
simply replacing lost income. A good life insurance plan also covers
funeral expenses, payment of outstanding dept, probate costs, childcare
expenses, elderly care, and taxes. When children are involved it is also
important to plan for their future college expenses as well as your
life insurance necessary?
insurance is necessary for peace of mind. It provides the guarantees that
your family will be taken care of financially in your absence. Life
insurance lets those who depend upon you know that even if you are taken
prematurely by an un-foreseen death, you have taken care to provide
financial support for your dependents who count on you. Since term life
insurance premiums are so affordable it is now a simple matter to protect
your families most important asset.... You.
Term life insurance vs. cash-value life insurance.
Current competition among life insurance companies has dramatically
lowered life insurance premiums. A term life insurance policy offering
$250,000 worth of life insurance protection that cost $600 a year, just
seven years ago, would have an annual term life insurance premium of about
$275 today. When we say we can save you 25 - 60% on your term life
insurance premiums it is not just marketing hype.
TERM LIFE 101
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