International Products

UNIQUE FEATURES: The creation of CICA LIFE's Freedom Series introduces one of the most exciting portfolios of living-benefit life insurance products ever offered in the international market. These participating, whole life products build cash values to address the major financial concerns of individuals worldwide, including retirement income, terminal illness, death, accidental dismemberment, currency protection against devaluation or inflation, and capital transference.

FOCUSING ON NEEDS: CICA LIFE's products focus on cash accumulation, protection against appropriation of assets, currency devaluation, as well as death protection. These unique policies contain dividend features, a build-up of cash values, and cater to concerns people have about retirement income as well as transference of capital. One of these unique products will most likely meet your expectations.

PRODUCT COMPONENTS: The uniqueness of the Freedom Series lies in its two living benefit features: every policy contains high guaranteed cash values and earned dividends. This causes a significant portion of each annual payment to go toward building guaranteed cash values and dividend funds.

ANNUAL POLICY BENEFITS: There is an immediate cash dividend paid to all policyowners, upon issuance of the policy. This is one of the distinctive and impressive features of the product. Once the policy is issued and the policyowner pays the annual premium,  CICA LIFE immediately pays a cash dividend to the owner.

International Product Portfolio

FREEDOM SERIES

LONGEVITY - Participating whole life policy
• Builds U.S.-dollar amounts for retirement, pension, family or business protection
• Designed to provide monthly lifetime retirement income or lump sum return
• Provides terminal illness and dismemberment benefits
• Issuable to ages 0 to 75 to qualified individuals
• Minimum $50,000 ages 0 to 65
• Available ages 66 to 75 for $10,000 to $25,000 face amount

LONGEVITY 10 - 10-Pay Whole life participating policy
• Designed to accumulate money with 10-year premium-payment period
• Similar to Longevity, but fewer premium payments
• Issuable to qualified individuals between the ages of 0 and 55
• Fully paid up in ten years, while insurance benefits and values continue for lifetime of insured

ABUNDANCE - Endowment policy at age 65 
• Minimum $25,000 face amount
• Provides similar benefits as Longevity
• Issuable to qualified individuals between the ages of 0 and 55
• Designed to build up guaranteed cash values equal to 143.9% face amount at age 65

FREEDOM 20 - 20-year endowment policy
 • Designed to accumulate money over a limited time period
• Provides for guaranteed cash values of policy to equal face amount of the plan in 20 years
• Provides terminal illness and dismemberment benefits at no additional charge
• Issuable to qualified individuals between the ages of 0 and 60 years
• Designed to provide monthly lifetime retirement income or lump sum return

FREEDOM 15 – 15-year endowment policy
• Designed to accumulate money over a limited time period
• Provides for guaranteed cash values of policy to equal face amount of the plan in 15 years
• Provides terminal illness and dismemberment benefits at no additional charge
• Issuable to qualified individuals between the ages of 0 and 55 years
• Designed to provide monthly lifetime retirement income or lump sum return

FREEDOM 10 - 10-year endowment policy
• Designed to accumulate money over a limited time period
• Provides for guaranteed cash values of policy to equal face amount of the plan in 10 years
• Provides terminal illness and dismemberment benefits at no additional charge
• Issuable to qualified individuals between the ages of 0 and 65 years
• Designed to provide monthly lifetime retirement income or lump sum return

To obtain information about these products or sales opportunities with CICA LIFE, please contact the International Marketing Department by e-mail: MarketingIntl@citizensinc.com