______
Sample A Samples
Street Address
City, State, ZIP
Dear Sample A Sample,
Traditionally, life insurance has been thought of as an expense needed to protect a family’s financial future, in the case of untimely death. Did you know that cash value life insurance can also provide access to funds you can use as you wish while you’re still alive?
Cash value life insurance is an important asset to own as part of your overall financial plan.
Consider the Benefits of Cash Value Life Insurance:
• Lifelong protection with guaranteed1 death benefit.
• It can provide you with tax-deferred cash value accumulation.
• It can give you tax-free access to the policy’s cash value through a combination of loans and
withdrawals2 which can be used to help pay for college, a down payment on a new home or as a
supplement to other retirement income sources.
• It can help establish a foundation for a lifetime of financial security for your family.
Plus, cash value life insurance is generally more affordable the younger and healthier
you are, so it is important to explore this valuable asset now. In addition, the earlier the
policy is purchased and funded, the greater the potential for significant cash value accumulation in the
future—when it may be needed.
Find out more about the benefits of cash value life insurance by calling XXX-XXX-XXXX today or
returning the reply card below. One informative meeting can give you the answers you’re looking for
on why cash value life insurance deserves to be considered as an integral asset within your portfolio.
Sincerely,
[FSR Name]
[Company approved insurance title]
P.S. Find out today why cash value life insurance deserves to be considered as an important asset
within your financial plan.
CLVL22808 L0812272582[exp0813]
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Request a complimentary consultation today!
Please call me at ( ) ______- ______
Best time to call______AM __ PM
Please e-mail me at ______
Please correct your information below if necessary:
[Mr. John Customer]
[12 South Main Street, Apt 123]
[Anytown], [ST] [02134]
Like most insurance contracts, MetLife contracts contain exclusions, limitations, reduction of benefits, surrender
charges and terms for keeping them in force. Your financial professional can provide you with costs and complete
details.
Metropolitan Life Insurance Company, New York, NY 10166
About MetLife
Metropolitan Life Insurance Company is a subsidiary of MetLife, Inc., a leading provider of insurance and financial services. For over 142 years, MetLife has been protecting retirements and helping American families find solutions to life’s possibilities and uncertainties.
1 Guarantees apply to certain insurance and annuity products (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer’s claims paying ability and financial strength.
2 Distributions are generally treated first as tax-free recovery of basis and then as taxable income, assuming the policy is not a Modified Endowment Contract (MEC). However, different rules apply in the first fifteen policy years, when distributions accompanied by benefit reductions may be taxable prior to basis recovery. Non-MEC loans are generally not subject to tax but may be taxable when the policy lapses, is surrendered, exchanged or otherwise terminated. In the case of a MEC, loans and withdrawals are taxable to the extent of policy gain and a 10% penalty may apply if taken prior to age 59 ½. Always confirm the status of a particular loan or withdrawal with a qualified tax advisor. Cash value accumulation may not be guaranteed depending on the type of product elected. Investments in variable life insurance are subject to market risk, including loss of principal. Withdrawals and/or policy loans will reduce the policy’s death benefit and cash value, and may cause the policy to lapse. Upon lapse, the policyholder may have reportable income to the extent total distributions exceed his or her basis in the policy.