美国保险市场上性价比最高的寿险是什么?

安盛集团(AXA)最新推出的BrightLife是当今美国保险业性价比最高的人寿保险产品。

For those who want a permanent life insurance policy, but are concerned about being able to afford premiums, BrightLifeSM Protect may be an appropriate strategy. BrightLifeSM Protect features a lower cost structure than many comparable life insurance products, making it one of the most affordable products currently on the market.

Key Features:

Permanent life insurance protection
BrightLifeSM Protect is a flexible universal life insurance policy that can grow with you, your family and/or your business. At every age, at every stage, it can provide the financial protection you need and the additional growth potential you may need to address a variety of objectives.

Not only does its lower-cost structure provide the affordable protection you need now, but its potential for cash accumulation may give you the opportunity to make your protection even more affordable over time. The No Lapse Guarantee Rider (NLG), which has no cost to the policyowner, guarantees that your policy will not terminate for the lesser of 15 years or the number years from issue to age 90 of the insured, or before a certain date if certain specified amounts of premium are paid and any policy loan plus accrued loan interest do not exceed the Cash Surrender Value.

Interest rate crediting
The interest rate that AXA Equitable credits to the Fixed Account is declared periodically. The interest rate that is credited to the Select Account is an index-linked interest option which is reflective of the performance of the S&P 500®*, subject to a cap and a 0% floor on performance.

Premium flexibility
Premium payments are flexible. After the initial payment, you can choose the amount and timing of your premium payments (subject to certain minimums and maximums).

Access to cash values
You can access your cash surrender value, through loans and withdrawals, potentially free of current income tax as long as the policy stays in force until the Insured’s death. A loan may be taken anytime after issue. There is a minimum loan amount of $500.

Death benefit options
BrightLifeSM Protect has two death benefit options:
Option A – Level Death Benefit – is equal to the Face Amount of the policy
Option B – Variable Death Benefit – is equal to the Face Amount plus the Policy Account Value

Under either option, a higher death benefit may apply if the value in the policy account reaches a certain level relative to the Face Amount. Changes to the death benefit option are available at no charge after the second policy year.

Choice of riders
Depending on your current or anticipated future needs, you can tailor your BrightLifeSM Protect policy by taking advantage of a selection of policy riders that are available for an additional cost.

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