TAKE ACTION: SECURE YOUR FUTURE

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KAISER LONGTERM CARE

It is a 3 in 1 program that has long-term healthcare, life insurance and mutual fund investment. This is an HMO with a Health Savings Account. It has a fixed premium, usually 7 years, which matures in 20 years.

The Ultimate Kaiser Health Builder Plan is a healthcare plan that allows one to control his own health and provide for his own future.

Kaiser International Healthgroup, Inc. is an actuarially-sound, product-based business. It brings together the best features of an HMO, Health Savings Plan, and a financial investment.

An innovative program, the first of it's kind in the country;

Guarantees long-term care even after the age of sixty when the client has only himself to rely on;

Healthcare coverage, savings, emergency fund, and insurance rolled into one;

An accumulative, self-earning investment that comes with Return of Payment for non-utilization in the first seven (7) years of coverage;

A portable account! Even if you change or lose jobs, your plan and funds stay with you;

A four-way insurance coverage:

Term Life

Accidental death and dismemberment

Waiver of installment due to death

Waiver of installment due to permanent and total disability;

Outpatient benefits, annual physical examinations and dental coverage;

Coverage is for individuals but can be installed in companies as a health savings salary deduction program;

No exclusions from 8th year onward;

Flexible, Upgradeable within 30 days ;

Annual lifetime healthcare benefits from years 8 to 20 accumulate with interest in a "Health Savings Account"

"Health Savings Account" earn interest beyond 20 years.

Benefits can be used up to any age.

Payable in 7 years only with fixed rates for the entire paying period;

Issue age up to 60, but coverability extends after 60; and,

Reinstatement can be done within 2 years after lapsed policy.

Built For You and Me

• Cost Free Health Benefits

With Return of Premiums for Non-Utilization

• Accumulation of unused yearly health benefits and bonus

All unused yearly healthy benefits and yearly health bonus accumulates with interest.

• Term Life Insurance Coverage

If the policy owner dies during the paying and accumulation period the beneficiary will receive an amount equal to the sum of Long-Term care benefit and Long-Term Care Bonus.

Awesome Features

• Accidental Death & Dismemberment

If the policy owner dies due to an accident or suffers from dismemberment of both hands, both feet or loss of sight in both eyes (or any combination thereof) and is below the age of 70 during the paying and accumulation period, he or she will receive additional of 100% of the Long Term Care Benefit plus long term cares bonus.

Best Program of All

• Waiver of Installment Due to Death/Credit Life

If the policy owner dies during the accumulation period, the balance of premiums is waived, rendering the plan fully paid.

• Waiver of Installment & Premiums Due to Total and Permanent Disability

If the policy owner becomes totally and permanently disabled for a period of at least six months (not exceeding the maximum age of 70 years old during the accumulation period, all the succeeding payments will be waived.