Life Insurance Quote Engine
Now is the time find out how XL Heritage could work for you!
Results
XL Heritage is designed to guarantee a death benefit amount with a single premium.1 This money passes on to a beneficiary generally free from income tax and outside of probate.XL Heritage Quote for a {{Selection1_age}} year old, {{Selection2_gender}}, {{Selection3_smoker}} user.
Premium Amount: ${{Selection4_premium}}
All values show guaranteed elements only. Non-guaranteed death benefit, cash value, and/or chronic benefits may be significantly greater. For a better understanding of the non-guaranteed elements please run a full illustration.
Guaranteed Death Benefit: ${{GDB}}
Chronic Illness Annual Acceleration Amount
XL Heritage also provides the policy owner with the ability to accelerate a portion of the death benefit should the insured become chronically ill, subject to eligibility. The funds can be used to cover any expenses, such as nursing or home health care costs, or even home modifications.2
Below are estimates of the annual amount that you may receive for an acceleration of the death benefit based upon the guaranteed death benefit shown above. Please note that the non-guaranteed death benefit could be larger and therefore the accelerated amount could be larger. Generally, the policy can sustain a maximum annual acceleration for four consecutive years. The amount received will be less if the there are unpaid policy loans.
Guaranteed Annual Benefit: ${{CH50}}
Guaranteed Annual Benefit: ${{CH65}}
Guaranteed Annual Benefit: ${{CH80}}
The Cost of Doing Nothing
The same money in a taxable financial vehicle could accumulate to the following value at your life expectancy (which is age {{LIFE}}). The interest earnings for these types of accounts are taxed on an annual basis. This example assumes annual taxes paid at an income tax rate of {{Selection5_tax}}% and an interest rate of {{Selection6_rate1}}%.
Non-Guaranteed Taxable Financial Alternative: ${{ALT1}}
