Make sure your golden years live up to their name.
You've been working hard, and you're looking forward to enjoying your golden years. Yet what looked like ample retirement funds in your 20s can seem pitifully small now. Think about it: your fixed funds could run short - forcing you to either cope with medical expenses or stretch to make ends meet, just when you should be taking it easy. And while you intend to leave behind some funds for your loved ones, estate taxes and funeral expenses can eat up what little you have.
One answer could be a whole-life plan. But as you mature, the cost of coverage goes up dramatically - enough to make you reconsider. Until now.
With Pioneer Life All-Life 85, you'll enjoy:
Low premiums
Life insurance need not be expensive. Whatever age you purchase at, whatever premium level you're comfortable with, we'll help you devise a plan that's both affordable and generous.
A shorter premium paying period
Pay your premiums during your most productive years - so when retirement rolls around, you're already fully covered. You can pay your premiums using accumulated dividends, or better yet - avail of our single or 5-year payment options.
Early maturity
Other whole-life plans pay only upon your death or at age 100. But this policy matures when you turn 85 - if you live long, you might as well enjoy! Make your golden years as comfortable as you want.
Accumulated dividends
Upon maturity, you get more than your policy's face value - you also receive accumulated dividends, earned over time. It's a hefty bonus you can use for medical bills, to give to your family, or to reward yourself with the comforts you've always wanted.
Smart estate planning
Protect your family - from funeral expenses, from loss of income caused by your death, and possibly from crippling estate taxes that can eat up an entire inheritance.
All these while enjoying life insurance coverage customized to your needs - which may include these additional benefits:
Disability Waiver Premium
This pays for your premium if you're totally and permanently disabled and unable to earn. So your policy stays in force, no matter what.
Escalating Benefit
This helps you protect the value of your policy against inflation.
Accidental Death & Dismemberment
This ensures a comfortable standard of living for you and your loved ones, even when you're unable to earn as before.
Critical Illness Rider
This helps protect against the financial drain of an illness.
Guaranteed premiums, plus anti-inflation measures - it's the perfect combination you need to protect yourself in your golden years.
Pioneer Life All-Life 85. Because the good life should last your whole life.
