Lifetime protection
A financial protection solution that can last your whole life, with the flexibility to increase or decrease premiums.
Nova
Life insurance
Universal life insurance with flexible premiums, cash values available through partial withdrawals or loans and coverage from US$100,000.
Nova benefits for your family
What you get with Nova
A universal policy with coverage from US$100,000, for people aged 1 to 75, with flexible premiums, the same premium for smokers and non-smokers and a guaranteed minimum interest of 3% per year.
Access to your cash values
Partial withdrawals or loans from the policy's cash values to cover emergencies or seize opportunities.
Additional benefits
Accelerated benefits for terminal illness included at no cost and the option to add Family Income, Accidental Death and Waiver of Charges for Total Disability.
Starting your career
If you start at an early age, you have enough time to build attractive long-term savings.
Starting a family
Protect your family with flexibility and use the liquidity of the cash values for your children's education or unexpected expenses.
Approaching retirement
Leave a tax-free inheritance to your beneficiaries and protect your assets, avoiding hasty sales of assets due to lack of liquidity.
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Nova is universal life insurance designed for a conservative profile. It offers protection that can last a lifetime, flexible premiums, adjustable benefits and a guaranteed minimum interest of 3% per year. The accumulated value is available through partial withdrawals or loans.
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Not on the target premium. Nova applies the same target premium to smokers and non-smokers.
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Family Income is a rider that pays the beneficiaries a scheduled income for 10 or 20 years from the insured's death. It is added to the basic coverage and gives the family long-term financial stability.
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Nova is issued from ages 1 to 75, so it can also be taken out for a minor; Lifetime, from 20 to 75. Both start at US$100,000, mature at age 121 and guarantee 3% per year. Nova also applies the same target premium to smokers.
