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ANNUITIES & LIFE INSURANCE
| ANNUITIES | TERM LIFE INSURANCE | WHOLE LIFE INSURANCE | FUNERAL PLANNING |

Annuities

Annuity Rates
all plans provide free total withdrawal at the end
of the stated time period

1 - Yr APY 1.5% Guaranteed!
Free withdrawal of earned interest after 30 days. 15% Withdrawal once each year after the first year.
Surrender charges Yr. 1: 5% This plan is a versiion ofr our 5-year plan. Plan provides for a 30 day window at 12 months for total free withdrawal of principal and interest. If no total withdrawal is made, the policy will continue as a 5-year guaranteed interest rate and surrender charges. Additional deposits are accepted only during the first 90 days after policy issue. Maximum issue age is 90 (age-nearest birthday).

2 - Year APY: 1.80% Guaranteed!
Free withdrawal of earned interest after 30 days. 15% Free withdrawal in each year after the first year.
This plan is a version of our 5-year plan.
Plan provides for a 30-day window at 24 months for total free withdrawal of principal and interest. If no withdrawal is made, the policy will continue as a 5-year plan with the 5-year guaranteed interest rate and surrender charges. Additional deposits are only accepted during the first 90 days after policy issue. Maximum issue age is 90 (age-nearest-birthday)
Single Premium

3 - Year APY: 2.10% Guaranteed!
Free withdrawal of earned interest after 30 days. 15% Free withdrawal in each year after the first year.
Surrender charges Yr.1: 5%, Yr.2: 4%, Yr.3: 3%. This plan is a version of our 5-year plan. Plan provides for a 30-day window at 36 months for total free withdrawal of principal and interest. If no withdrawal is made, the policy will continue as a 5-year plan with the 5-year guaranteed interest rate and surrender charges. Additional deposits are only accepted during the first 90 days after policy issue. Maximum issue age is 90 (age-nearest-birthday)
Single Premium

4 - Year APY: 2.65% Guaranteed!
Free withdrawal of earned interest after 30 days. 15% Free withdrawal in each year after the first year.
Surrender charges Yr.1: 5%, Yr.2: 4%,Yr.3: 3%, Yr.4: 2%, Yr.5: 0%. Additional deposits are only accepted during the first 90 days after policy issue. Maximum issue age is 90 (age-nearest-birthday)
Single Premium

5 - Year APY: 2.75% Guaranteed!
Free withdrawal of earned interest after 30 days. 15% Free withdrawal in each year after the first year.
Surrender charges Yr.1: 5%, Yr.2: 4%,Yr.3: 3%, Yr.4: 2%, Yr.5: 1%, Yr.6: 0%. Additional deposits are only accepted during the first 90 days after policy issue. Maximum issue age is 90 (age-nearest-birthday)
Single Premium

7 - Yr APY: 2.90% Guaranteed!
Free withdrawal of earned interest after 30 days. 15% free withdrawal once each year, including the first year. Surrender charges yr. 1: 9%, yr. 2: 8%, yr. 3: 7%, yr. 4:6%, yr. 5: 5%, yr. 6: 4%, yr. 7: 3%, yr. 8: 0%. Additioinal deposits are accepted only during the first 90 days after issue. Maximum issue age is 85 (age-nearest birthday).

10 - Year APY: 3.25% Guaranteed!
Free withdrawal of earned interest after 30 days. 15% Free withdrawal in each year including the first year.
Surrender charges Yr.1: 10%, Yr.2: 9%, Yr.3: 8%, Yr.4: 7%, Yr.5: 6%, Yr.6: 5%, Yr.7: 4%, Yr.8: 3%, Yr.9: 2%, Yr.10: 0%. Additional deposits are only accepted during the first 90 days after issue. Maximum issue age is 85 (age-nearest-birthday)
Single Premium
 
APY = Annual Percentage Yield


SINGLE PREMIUM DEFERRED ANNUITIES
Multi-Year Guaranteed Rates

- Current interest rates are GUARANTEED for the specified annuity time period. After initial guaranteed time period, interest rates may change.
- All plans provide for total free withdrawal at the end of the specified time period with no surrender charges or fees.
- Plans are designed as "single premium", However, additional premiums may be added within the first 90 days after the policies effective date.
- The 2 and 3 year plans have a $500,000 per family limit. The 5 and 10 year plans have a $5,000,000 per family limit with prior home office approval. Minimum single premium is $10,000. $5,000 minimum premium for IRA's
Annual Percentage Yields (APY) are effective October 1, 2011.
Rates and plans are subject to change by the company.
Not available in all states

EMPLOYEES LIFE COMPANY ( MUTUAL)
Rated B+ by the A.M Best Co.

Term Life Insurance

If you are looking for term life insurance then you found the right place. Kasper Insurance will shop hundreds of plans for you. Give us a call and we will listen to your needs. We will then seek out a company and plan that is right for you. Call or email us today for your free personalized quote.

Whole Life Insurance

Ask us about our Individual Whole Life Insurance.
We offer:
  • • No Medical Exam
    • Affordable Rates Will Not Increase
    • Benefits Remain Level
    • Issue Age 0-85
    • $3K - $25 K Face Amounts
    • Cash Value For Emergencies
    • Benefits Paid Directly To Beneficiary Of Clients Choice
    • Benefits are Tax-Free
    • Policy Cannot Be Canceled As Long As Premiums Are Paid
 
Below is a link to our free Final Expense quote engine. Feel free to look around and then give us a call if you have any questions or would like to apply.

Free Whole Life Quote

Funeral Preplanning



Preplanning Your Funeral
Let Kasper Insurance help you preplan your funeral
The Way You Want It.

Purpose of Pre Planning

Planning a funeral within hours of a loved one’s death can be a very difficult experience. There are many details to attend to, several thousands of dollars spent and critical decisions must be made at a time when people are least able to make them. It is estimated that there are at least 50 separate decisions involved within the first 24 hours of losing a loved one, and most of these could have been made in advance.

6 Good Reasons to Preplan Now

1) Waiting Can Cost You More… Save money when you plan now. Avoid inflation and future price increases.

2) Personalize Arrangements… You choose the arrangements you want, at the price you want to spend. Avoid burdening loved ones with these decisions.
 
3) Relieve The Financial Burden… Avoid leaving a significant financial burden on your loved ones by prepaying at today’s cost.

4) Choose A Payment Plan… Payment Plans available to meet your needs and your budget.
 
5) Flexibility… If you move out of state or choose another funeral home, your plan is transferable.

6) Solid Program, preplanning is endorsed by Attorneys, Trust Officers, Financial Planners and Medicaid as an effective way to provide for final expenses.

Let our family work
Hand-In-Hand
with your family