Savings at a competitive rate
Combines life coverage with cash value accumulation, at a guaranteed minimum rate above the bank average and without stock market volatility.
Nova II
Life insurance
Universal life insurance that combines protection and accumulated value, with a guaranteed minimum interest rate.
Nova II benefits
Protection and savings with a guaranteed rate
A universal life policy with coverage from US$100,000, flexible premiums and adjustable protection, according to the policy conditions.
Adapts to your needs
Adjust the sum insured and change your contributions as your needs change. Reducing or suspending premiums requires sufficient values to cover charges and the cost of insurance.
From 1 year of age
A great gift for children: start a long-term savings plan today.
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Starting your career
It's the best time to purchase it: the premium is lower and you have more time to save, plan your financial future and develop personal or family projects.
Starting a family
Protect those who depend on your income and build value for family goals, adapting coverage and contributions as your responsibilities change.
Approaching retirement
Complement your wealth protection strategy with savings at a guaranteed rate that you control, and maintain your loved ones' lifestyle.
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Nova II is a universal life insurance policy that protects your beneficiaries and builds cash value with a guaranteed minimum interest rate. Part of the premium covers the cost of insurance and charges, and the rest is added to the accumulated value. Coverage starts at US$100,000 and is available from age 1.
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No. Nova II builds value with a guaranteed minimum interest rate and is not subject to stock market volatility.
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Yes, as long as the policy has enough accumulated value to cover the charges and the cost of insurance. You can also adjust the sum insured when your needs change.
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Yes. You can make partial withdrawals or take loans against the available cash value. These transactions reduce the accumulated value, may accrue interest and may affect the death benefit.
