DISCLAIMER
The Thomas M. Frick Insurance Agency (TFIA) Website provides you with the
ability to link to other sites on the worldwide web. TFIA does not endorse,
promote or otherwise recommend in any way the products, services or information
found through these links. Additionally, no warranty or representation with
respect to the products or services made available through these links is
provided by TFIA.
IMPORTANT
NOTICE We welcome your communication via e-mail; however, we ask that you
do not request changes or apply for coverages via e-mail. Please call our
office so that we can properly assist you. We ask that you do not use e-mail
to submit claims. In order to be sure that we have all of the necessary
information for processing, please call our office to report a claim. We
cannot assure that requests or changes will be properly addressed if they
are relayed to us via e-mail. Finally, our agency cannot insure the confidentiality
of any information transmitted via e-mail.
ERIEflex
Universal Life
WHY
BUY ERIEflex UNIVERSAL LIFE?
ERIEflex is a universal
life policy which combines the best features of both term and permanent insurance.
It includes life insurance protection and has an account value which is credited
with interest at a competitive rate. If you need a life insurance policy that
can he adjusted to your changing needs, ERIEflex is just such a policy…flexible
enough to grow as you grow. With ERIEflex you can:
- choose the amount
of protection you want.
- adjust the premium
payment schedule to meet your needs, subject to minimum and maximum limitations.
- change your
policy as your needs and responsibilities change.
ERIEflex can be
used to:
- Generate retirement
income for yourself.
- Establish a
college fund for your children.
- Provide family
income replacement.
- Pay off your
mortgage.
- Provide gifts
for children or grandchildren.
- Meet business
insurance needs.
CHOICE
OF DEATH BENEFIT OPTIONS
With ERIEflex you
have a choice of death benefit options. You can either emphasize cash accumulation
or maximize protection. Your choice depends on your objectives. If your needs
change, the death benefit option can be changed, subject to policy limitations.
ERIEflex FEATURES include:
- Flexible Coverage...
Your coverage can be increased or decreased as your needs change. (Subject
to evidence of insurability and policy limitations.)
- Flexible Premiums...
You can vary the amount and timing of your premiums. Payments can even be
suspended as long as there are sufficient funds in the policy to cover the
monthly charges.
- Permanent Protection...
ERIEflex can provide the life insurance protection you need throughout your
entire life. The death benefit is noncancelable by the company as long as
you pay enough premium to keep your coverage in effect.
- Access to Your
Cash Accumulation...You can obtain cash by borrowing against your cash value
or by making a partial withdrawal.
- Tax Considerations...
The interest credited to your ERIEflex policy accumulates tax-deferred,
and the death benefit paid to your beneficiary is income tax free.
- Optional Protection...
Various riders can be added to tailor your policy to your specific needs.
These riders include: Accidental
Death Benefit, Waiver of premium Disability Benefit, Guaranteed Insurability
Option, Spouse/Children's Term Insurance, Additional Term Insurance, Other
Insured Term Insurance
- Annual Report...
You will receive an Annual Report to keep you up-to-date on the performance
of your policy.
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to Life Insurance
