Page 24 Advertisements Column 1

Press, 10 April 1980, Page 24

National Mutual Straight Talks Life Insurance; No.l How to get the right life policy for you ffimi g. we IMmbSCEjK jwclflsSnijMMi dMftK'TijSSMMfc NjMfer ! ■i 5P< IH iiii Hi 7s? i lai li It’s your life so it should be your life. Bonuses-. The Bonus Svstem makes Hfe in- on ,o,al and P ermanent disablement from his own tional Mutual you can ‘insure’ against that happening, nnlirv That’# hnw National Mutual sees it .., ■ ' , a u An „„ ;» the occupation or similar occupations. National Mutual future insurability leaves your opXXIEXS “ f : ££XX. £ ——-> *-- ">■ - -->■ «* ■■ s ” suit your lifestyle — nol you, life <0 suit our ral „ e „f p ,rt eipl « pelieies .nd p.ysMe under * • *— w ™ f >**» po icies. , . . ahnnt <rettin<r the same terms and con itions. oieo icecan Life Cover surabilitv’on a Szo.ooo whole of life policy you have Here s some tnformatwn about getting estimate future bonuses rehablj^t as these wdl de- —— the option of [aki out additional $ 20 , 0 00 cover at the most out of your hfe P 0 ’ f J ou 1 pCnd ° n fuWrC clrcumstances - ™ e f ! gur^ bel ™ ” 53831 $25’931 $25’931 age 24, 27, 30, 35 and again at 40. And all without yet taken out life «« If are therefore aiustratlons only based on Nat.ona! 45 $ 3, 3 525,93! 525,931 furthe ' r ’ h eakh evidence. So over the 19 years you 1 you have, you may find some sound reasons to Mutual’s most recently declared bonus rate. 5° 829,625 8-9,6 J UpateK ‘ Whatvouneed 60 $l6-569 $38’669 $38,669 worth of life insurance —no matter what your health All lite nolicies 65 $22,079 $44,179 $44,179 condition. ixxv There’s no simple rule of thumb to work out the — — Before each option comes due you will be advised aren’t created eaual amount of cover you need. Everyone’s needs differ de- I’f I by mail and given 45 days to decide whether you wish ~ pending on personal circumstances. That’s why N'a- AS yOUFIIIC CHangCS, to take out the extra cover. It’s essential to get the right policy from the tional Mutual agents exist. And that’s why a National wnc-4- yivif KfN wrUsr-w is /r beginning. And it’s equally important for that policy to Mutual life policy is designed just for you. P J Moi’C WOlllCtl Hl C 110W keep pace with you. However, here are some typical examples of cur- As you grow older things will change, lou may nrOteCtillff tlieil'flltUre j Basically there are four different hfe policies. pro <, ratTlrnes ._ marry, divorce, have children, have more children, Jr* o Wherever you go you’ll get that choice. However, Na- retire early, build a home or start a business. Or you ivitll life inSLimilCC tional Mutual goes a lot further, because we’ve kept the j. Mary Smith, single, age 22; pays an annual pre- may do t he whole lot. ; four basic policies flexible. In other words, we can gear mium of $4OO for her basic whole of life policy with , -1 The death of a mother in a family can be more them more specifically to your needs. Or take a suitable guaranteed future insurability. Here’s a simple check list. If you have life in- financially devastating than the death of a father. And feature from one and combine it with another. Here (T m. 1 ’ surance, have things changed since you started the die Iwo j ncome family is no longer a way of saving for . . At age bonuses toiai naaiuonai . •> rrr are the four: * Cover Cover PPhcy? luxuries — it's a way of life. • Are you now a P ar ®nt? So as a woman moving into the work force, or I • Whole of Life: The sum plus bonuses is pay- 22 30,000 . Have you more children? raising a family — *- or both, vou should think about able on the death of the life assured. A whole of 2 5 $2, 496 $32,496 $30,000 . Are you paying off a mortgage? long erm security. Naturally, the same National i life policy gives the maximum amount of lifelong §5,201 $35,201 $30,000 , Will your present life insurance cover still support Mutual policies and benefits are open to both men and permanent protection for the lowest annual out- 33 $10,215 $40,215 $30,000 your family? women. And National Mutual was the first insurance ; lav It has growing cash and loan values and pro- 38 Si 5,945 545,945 830,000 , Are your assets f ul ] y insured? company in New Zealand to introduce lower premium vides the basis for a sound life insurance pro- 45 $25,365 $55,365 available by . wh at happens to your income if you become dis- rates for women — simply because women live longer -? gramme. r ' 50 . $33,254 $63,254 Future abled and cannot work? than men. 55 $42,266 $72,266 Insurability .Do you now know your retirement age? CrPt it StFTlO’ht tFOID i 2. Endowment Assurance: The sum plus 6a $52,563 $82,563 Option.) ,i s your income tax becoming a burden? o bonuses is payable either when the life assured .Do you need to use your present policy for an op- your National Mutual Agent reaches a specific age or date, or if death occurs John Stevcns . j, larriedj age 28; pays an annual pre- portunity or an emergency? Na , ional Mutual will p Ve you t he specialist help before that age. Also has growing_ cashjahw sand of S4OO fQr his life policy . The policy is a Remembcr doesn > t stand sti!l _ has vour vou need in planning your insurance cover, can be used to meet opportunities and emer- combinatlon o f temporary insurance to age 40 and * ’^ h ' We can help yQU sort QUt exactly the righ; B enc '«- »whole of life policy giving high initial cover when . rr policy — and show vou how to go about it. . . ... . f . most need£d - Life insurance offers So, if vou’re not sure about life insurance get it ! ; 14., £ genuinetaxsavings i s rwhqse state of hea th excludes him or her from bonuses) annua] tax return . first Sljooo of p rem iu ms a year Contac t vourne arestNationalMutualaqenr .another type of pohey. 28 $20,000 $44,000 $64,000 or SBoo of premiums a year if you are a member of an Contact your nearest National Mutual agem. .. . ; 35 $24,100 $44,000 $68,100 employer subsidised superannuation scheme, are Christchurch Zncacn Term or temporary insurance: This was $27,534 $44,000 $71,534 allowable as a special exemption for income tax pur- 795860 . .the first type of life insurance ever written; It $31,457 $31,457 poses. South Canterbury 5045Timaru provides a relatively cheap form of cover for a $35,939 $35,939 So your life policy is an ideal way of saving with- ' short or long period. If the hfe assured survives 541,060 out being taxed. Moreover, the proceeds, paid in a this period, the policy expires and • the $46911 $46,911 lump sum, are tax free also. policyholder receives no money in return. The . > - r*ci-n ivnnfp-F 4 sum assured is payable only on death. It does IOU CHD guarantee not have a growing cash value as do the other 3, Frank Peters, businessman, age 39; pays an annual VOUF flltUFe inSllFJlbllltV three types of insurance. Despite these premium of $6OO for his basic whole of life policy / drawbacks it often plays a valuable part in a well and disablement cover. The policy; provides pay- Health reasons sometimes prevent people from ; balanced insurance programme. ment in full of the sum assured and accrued bonuses taking out the life policy they want. However, at Na- I GET IT STRAIGHT FROM NATIONAL MUTUAL - ■ ■■ — —— NMiOiM

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