S. USA Prosperity Life New Vista

Overview

States Offered: Voice App NOT available in PA.

Issue Ages: 50-80

Face Amount Options: $1,500-$35,000

Post Date Options: Up To 35 Days

2 Year Waiting Period: No (depending on underwriting approval

Accelerated Death Benefit Rider: If the insured is diagnosed with a terminal illness, Prosperity will allow them to access up to 50% of the death benefit while the insured is still alive.

1) Level Benefit Plan

No waiting period. The level benefit carries the lowest premium available.

2) Graded Benefit Plan

Limited payout of benefits from non-accidental death during the first two years.

Higher cost than level benefit plan.

Overview:

If the insured passes away during the first 12 months, Prosperity pays 30% of the death benefit.

If the insured passes away during months 12-24, Prosperity pays out 70%.

After two years, the full death benefit is payable for any reason moving forward.

Please note that the graded plan will payout 100% of the face amount during the first two years if the insured passes away from an accident.

3) Modified Benefit Plan

The highest risk plan offered, also the most expensive one of the three.

Overview:

If the insured passes away during the first 12 months, Prosperity pays 110% of all premiums paid in.

If the insured passes away during months 12-24, Prosperity pays 231% of all premiums pain in.

After two years, the full death benefit is payable for any reason moving forward.

Please note that the graded plan will payout 100% of the face amount during the first two years if the insured passes away from an accident.

These conditions are eligible for the Level Benefit Plan (no waiting period):

-Asthma

-Blood clots

-Blood thinners

-Depression (not bi-polar)

-Diabetic amputations after 2 years or more

-Diabetic coma after 2 years or more

-Epilepsy or any other seizure issue

-Insulin injections for diabetics

-Insulin shock after 2 years or more

-Irregular heartbeat issues such as Afib

-Multiple Sclerosis

-Non-cancerous tumors

-Non-cigarette tobacco or nicotine users get NON TOBACCO rates (that’s a savings up to 40%)

-Pacemaker or defibrillator (installed for at least 2 years)

-Sleep Apnea

-Type 1 or 2 diabetics

-Wheelchair-bound not due to a chronic illness or disease

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