Guaranteed acceptance
The only option on the market to get insured regardless of your health condition, with all pre-existing conditions accepted at no extra charge.
Horizon
Life insurance
Combines the protection of whole life insurance with guaranteed issue and no medical exams, with coverage between US$100,000 and US$500,000 for people aged 18 to 69.
Horizon benefits for your family
What you get with Horizon
A whole life policy with guaranteed issue regardless of health and no medical questions, with coverage from US$100,000 to US$500,000 for people aged 18 to 69.
Guaranteed cash values
Guaranteed cash values that you can use through policy loans.
A legacy for your beneficiaries
Return of premiums from years 2 to 5, an increasing percentage of the sum insured from years 6 to 9 and 100% from year 10.
Starting your career
Given your health condition, Horizon is the best solution to protect your loved ones and leave them a financial legacy.
Starting a family
Protect your family so your children maintain their quality of life and can go to university if you are gone.
Approaching retirement
Protect your assets and leave an inheritance to your beneficiaries, with a policy that matures at age 100.
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Horizon is whole life insurance with guaranteed issue regardless of health and guaranteed accumulated values. It is designed for people aged 18 to 69 who cannot take out traditional life insurance because of their health.
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Yes, with Horizon. The application has no medical questions and does not go through medical underwriting. All pre-existing conditions are accepted at no extra charge, such as insulin-dependent diabetes, dialysis, multiple sclerosis, lupus, Parkinson's or HIV.
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The benefit increases with the years the policy has been in force. If death occurs between years 2 and 5, the beneficiaries receive the premiums paid. Between years 6 and 9 they receive an increasing percentage of the sum insured. From year 10, 100% of the sum insured.
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From US$100,000 to US$500,000. The policy matures at age 100 and the premium is paid monthly, quarterly, semi-annually or annually. The accumulated values are guaranteed and available through loans.
