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Accumulator 15

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Accumulator 15 is a limited-pay whole life insurance policy requiring fifteen years of premiums and provides guaranteed paid-up life insurance protection for your entire lifetime.

Permanent Life insurance to meet a variety of protection needs with strong guarantees and cash accumulation.

Meets a variety of insurance needs with the peace of mind knowing your loved ones are protected.

Benefits:

  • Guaranteed Protection – Paid up to permanent life insurance at the end of the premium payment period. Lifetime insurance protection to age 121.
  • Guaranteed Cash Value – Peace of mind knowing that your cash value will never decrease.
  • Accessibility – Ability to access cash value via policy loans1, generally on a tax-free basis2.

Customize your policy by adding these features to meet your specific needs.

Waiver of Premium Rider – Waives your policy premiums if you become totally disabled before age 60.

Accidental Death Benefit Rider – Provides additional benefit in the event of the insured’s accidental death.

Solutions:

  • Debt Security – Pays the bills and financial obligations such as mortgage balance, outstanding credit card debt, car loans and personal loans.
  • College Education Funding – Provides additional flexibility for your child’s education expenses compared to a 529 Plan.
  • Maximizing Pension Benefit – Allows you to get the most out of your defined pension plan, while still providing a benefit to your spouse.
  • Retirement Funding – Provides a safe and secure way to help fund your retirement that is not susceptible to market fluctuations.
  • Wealth & Asset Preservation Funding – Efficiently maximize the distribution of assets to your spouse, children, grandchildren or favorite charities.

1Policy loans will be determined from the available policy’s surrender cash value, when applicable. Policy loans accrue loan interest annually at 8.0%, and will reduce the death benefit by the amount of the loan and accrued loan interest. Surrenders are subject to a 14-year surrender charge.
2Under current tax law, IRC Section 101 (a). Please consult with a tax professional regarding your specific situation and
Whether this is suitable.

For more information on the Accumulator 15, please contact your agent or a Pacific Guardian Life Sales Representative. The Accumulator 15 Policy Form Number is AC2115. Product availability may vary by state.

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Accumulator 15 Brochure

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