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Starmount Life Insurance - Protect Planning Today!
StarLife Gold
Term Life Insurance.

Protection to age 95 - your cost will not change due to age or health.*
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Important Notice for Texas Residents Considering
StarLife Gold One-Cost-To-Age-95 Life Term Insurance*

This notice will be part of your final application, as supplied by Starmount. Your signature will be requested at that time.

The Accelerated Benefit offered under this coverage may and may not qualify for favorable tax treatment under the Internal Revenue Code of 1986 or as amended thereafter. Whether such Accelerated Benefit qualifies depends on factors such as Your life expectancy at the time death benefits are accelerated. Also, it depends on whether you use the Accelerated Benefit to pay for necessary long-term care expenses, such as nursing home care. If the Accelerated Benefit qualifies for favorable tax treatment, the benefits will be excludable from your income and not subject to federal taxation.

Tax laws relating to Accelerated Benefits are complex. You should consult with a qualified tax advisor about circumstances under which You could receive an Accelerated Benefit excludable from income under federal law. Receipt of an Accelerated Benefit may affect your or your family's eligibility for public assistance programs. These may include medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary social security income (SSI), and drug assistance programs. You should consult with a qualified tax advisor and with social service agencies concerning how receipt of such a payment will affect your or your family's eligibility for public assistance.

Premiums may change.

Premiums cannot change because of my age or health. I understand this policy’s premium rates may change. The maximum premium that may be charged is shown in the policy and it is higher than the premiums currently scheduled to be charged. The premium will not be changed more than once in a policy year and notice of any premium change will be provided before the policy year in which the change is made. No individual will be singled out for change. Changes occur only if an entire class changes.

* Lasts until age 95. Your cost will never go up because of your age or health. Only if everyone in your classification has a rate change can your cost change. You cannot be singled out.

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