Guaranteed-Issue International Term Life Insurance
Financial Protection Your Family Can Rely On: No Medical Exam Required*
Low fixed premium for portable term life coverage up to USD 500,000 in benefits. The Board of Trustees, Group Insurance Programs for ACS Members (BOT) and Clements Worldwide guaranteed-issue international term life insurance provides coverage for international members*. Our new top-rated life program covers you worldwide at discounted rates. Additionally, this world-class familyprotecting insurance is available without a medical exam. According to the Life Insurance and Market Research Association, experts recommend having enough life insurance to replace income for 7 to 10 years. Unfortunately, the reality is that the typical married couple has less than half that amount**. Clements Guaranteed-Issue International Term Life Insurance makes it easy to financially protect your family with A-rated coverage and enjoy peace of mind.
With a Clements life insurance policy, you get: •
Financial protection that will stay with you regardless of whether you change jobs, or move anywhere in the world as long as you retain your ACS membership.
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Coverage for death as a result of illness*, accidents and acts of war and terrorism.
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Tiered limits up to USD 500,000, with rates starting as low as USD
About the Partnership ACS members have access to quality personal and professional benefits. With the growing need to provide benefits that can be used by international members, the BOT looked for an insurance company with a track record of offering life insurance throughout the world. Since 1947, Clements Worldwide has provided comprehensive insurance solutions to the international community. With a reputation for unparalleled customer service and superior claims handling, we believe Clements has the knowledge and experience to best serve ACS member needs.
All active ACS members* can receive the fi rst 60 days of coverage for only USD 1 - so enroll today!
12.31 per month.
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Continuous coverage to age 71 – prime income earning years.
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No medical exam or blood tests required.
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Guaranteed admittance – instant protection.
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Quick and easy online enrollment.
Copyright © 2014 Clements Worldwide. All Rights Reserved.
For More Information Contact Clements +1.202.478.6589 | 1.800.693.1087
[email protected] #PI-040-PS 1/14
(See back for additional coverage details)
Guaranteed-Issue
International Term Life Insurance Enrolling in the international term life insurance program ensures your beneficiaries will be protected financially. Coverage up to USD 500,000 requires no medical exam and the policy is fully portable. Don’t wait until it’s too late to ensure guaranteed protection for your loved ones. Take advantage of this unique opportunity and enjoy peace of mind. Get the best policy for you and your family – one you can count on.
For a Quote, Visit clements.com/ACS Available Limits
Tiered limits : USD 50,000 to USD 500,000 (level benefit through 70th year)
Application
Online enrollment form - quick and easy 5 step process
Payment
Monthly payment plan
Premium Waiver
First 60 days for USD 1- 1st year only
Coverage Type
- Death All Causes coverage: Worldwide in scope regardless of post country
Rate and coverage limit
Fixed rate/ premiums (Level benefit through 70th year)
Exclusions / Limitations
Nuclear, Biological war, suicide, death as a result of a criminal act by insured. 6 month waiting period on death by natural causes.
Term
Continuous Coverage until age 71
Continuation of Coverage
As long as you remain an ACS member your coverage will continue.
Enrollment Age
18-65 Enroll now or contact us at
[email protected] for additional information * Currently available in 67 countries. **LIMRA Facts About Life (Sept ’09).
Copyright © 2014 Clements Worldwide. All Rights Reserved.
#PI-040-PS 1/14
