VMMS HOME WARRANTIES INC. Home warranties of virginia & Delaware
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(1)
LEVEL BENEFIT PLAN
. For ages 45-85
. Face amounts from $ 2,000 to $ 4,000 ( in ( WA,$ 5,000 to $ 4,000
. Accelerated Death Benefit for Terminal illness or Nursing Home Confinement
( 2) GRADED BENEFIT PLAN
.For ages 45-80 ( in NY, 50- 75 )
. Face amount from $ 2,000 to $ 20,000 ( in WA, $5000 - $ 20,000
. This policy contains a graded benefit meaning that for death due to natural causes other than accidental) during the first two years , the beneficiary will receive all premiums plus 10 percent. After the two years, the full benefit is paid for death do to all causes. Full death benefits will be paid , in all years, if death results from an accidental bodily injury
We offer competitive premiums that fit many budgets. Simplified underwriting. No medical exam- coverage is based on your answer to a few simple health questions. A great product with a strong brand and from a stable and secure company that you know. **** Not available in AR , MT, NC.
Accelerated Death Benefit for terminal illness or Nursing Home Confinement ( lCC12L084R)
Allows the owner a one time election to receive the Accelerated Benefit if the insured is either (a) diagnosed as having a terminal illness that, with a reasonable degree of certainty, will result in the insured 's death within 12 months or less from the date a physician signs the statement of proof of terminal illness, or (b) has been confined to a nursing home for 90 consecutive days or more and is expected to remain confined in a nursing home for the duration of insured's life.
Accelerated Death Benefit for Terminal illness or Chronic illness Rider in FL ( D 3 5 9LFL12R)
Allows the owner a one time election to receive the Accelerated Benefit if the insured is either ( a) diagnosed as having a terminal illness that, with a reasonable degree of certainty, will result in the insured's death within 12 months or less from the date a physician signs the statement of proof of terminal illness, or (b) certified by a physician that the insured is unable to perform ( without substantial assistance from another person) at least two activities of daily living due to a chronic illness.
FOR COMPLETE DETAILS MAKE AN APPOINTMENT TO SPEAK WITH AN AGENT TO HELP YOU MAKE THE RIGHT CHOICE
Policy Exclusion
The death benefits will not be paid if the insured commits suicide, while sane or insane, within two years from the contestability date (in ND, within one year ). Instead, we return all premiums paid, minus any loan. **** May not be available in all states.