• Guaranteed death benefit 3
• Guaranteed cash value
• Potential additional cash value by the receipt of any dividends declared by the company. Although not guaranteed, dividend payments are generally declared annually by the company.
• Level premiums that are guaranteed to never change.

These policies are designed for individuals who want guarantees and who are focused on providing death benefit protection over cash value accumulation.

TERM INSURANCE

• Guaranteed death benefit for a fixed period 3
• Fixed premium
• No cash value
• Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of the insured.
• Initial premiums tend to be lower but will eventually increase.

May make sense for those with budget limitations, have large protection needs or have a temporary need. Application

 

 

Plan History

This plan has traditionally outperformed the market place.

 

How safe is this?

The Accumulation Fund primarily is invested in sound assets, including US Treasury Notes.

 

How can TWA pay more than other companies?

TWA has one of the lowest overheads in the industry by eliminating mass advertising. Additionally, the 5% early withdrawal fee pays those who are disciplined enough to remain in the program until retirement.

 

What if I already have enough life insurance?

The IRS favors certain aspects of life insurance. Even the current law that took most tax shelters away didn’t disturb the advantages of insurance as a means of accumulating cash value. Insurance companies now pay some of the highest interest available without risk.

 

How does it work?

The program has 2 sides. Both sides work to make money for you. The first year 2/3 goes to insurance. This side makes sure this account is protected, hidden, and liquid. 1/3 that goes into the Accumulation Fund is accessible for life’s little emergencies. BTW, county plans only allow withdrawals for unforeseen extreme emergencies. After the first year, 1/3 goes to the cash value insurance side and 2/3 to the liquid side. Now remember, the cv side allows the benefit received to not be taxable. At age 65, this generates a lifetime monthly income to supplement county benefits for a more comfortable retirement. Investing just $75 per pay period or $150 per month creates twice the wealth as the county’s 30 year investment plan in a much shorter period. But if that’s too much, then 4% (what the average American saves) or $30 a month is a good place to start. Create an estate that pays immediately An estate is ordinarily held up in probate court until the beneficiaries and assets can be determined and the family doesn’t have access to the estate until the courts are finished. This can be costly and time-consuming. In the TWA policy, the lump sum benefit includes life insurance face value plus all accumulated fund benefits and interest earned.