Introducing the R12/$1 Life Plan Limited Offer!
If your clients buy a Dollar Life Plan policy before 31 March 2016, they can get a guaranteed exchange rate of R12/$1 on their premium for the next three years!
In November 2014, Discovery Life launched the Dollar Life Plan, a first-to-market offshore life insurance policy that offers clients comprehensive risk protection in US dollars. With the Dollar Life Plan, clients can be sure that their risk protection will remain relevant in the long term, regardless of their changing lifestyle needs.
Why offshore life insurance makes sense:
1. Sound long-term financial planning
With an offshore life insurance policy, denominated in US dollars, clients are protected against the financial impact of a life-changing event – no matter where they may find themselves in the future.
2. Matching liabilities
Many clients either have, or could in the future have, offshore liabilities such as a bond, children’s education costs or estate duty in a foreign country. Clients may also be impacted by a fluctuating rand, which typically results in an increase in the cost of goods and services available locally. Risk protection denominated in dollars is therefore critical to ensure that a client’s liabilities are fully matched.
3. Diversification
Discovery Life provides an efficient vehicle for clients to supplement and diversify their retirement savings into offshore markets by allowing them to convert their future health and wellness into a tangible offshore financial asset. Clients can further supplement their retirement savings in dollars through three unique features:
The Dollar PayBack Fund – provides clients with an upfront Dollar fund of up to 500 times their initial monthly life cover premium.
The Buy-up Cash Conversion benefit – provides clients with a high yielding product that can help to supplement their retirement savings at age 65 through a lump-sum dollar payment.
The Dollar Retirement Optimiser – allows clients to convert any unused life cover to supplement their retirement savings in dollars, at age 65.
4. Increased accessibility
The minimum premium on the Dollar Life Plan has been reduced to $50 per month. This allows more clients to access the benefits of an offshore life insurance policy.
Your clients can increase the value of their rand with future certainty!
For a limited time only, your clients will be able to pay the premiums on a new Dollar Life Plan at a substantially lower exchange rate than the market. Clients will charged a premium based on a maximum exchange of R12/$1 for the first three years of their policy. This is provided that the exchange rate remains less than R20/$1
And if the exchange rate is higher than (or equal to) R20/$1, clients will be charged a premium based on an exchange rate that is 20% less than the rest of the market.
Make sure that your clients take advantage of this special offer to ensure that their life insurance remains relevant, not matter where life takes them! For more information, refer to this brochure and limited offer technical document.
FOR MORE INFORMATION, PLEASE CONTACT ME AT 021 975 3199 OR E-MAIL tersiav@ic.discovery.co.za
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