37th NATIONAL CONVENTION SPECIAL PROMOTION -
$20,000 IS GOOD ... $36,610 IS BETTER
OPEN A TRADITIONAL OR ROTH IRA WITH PWA
 
PWA YOUTH INVESTMENT COMBO PLAN -
WHOLE LIFE PLANS
TERM LIFE PLANS
 
  SOCIAL MEMBERSHIP APPLICATION
 
TRADITIONAL IRA
ROTH IRA
DEFERRED ANNUITIES
 
 
ADDRESS CHANGE FORM
CREDIT CARD AUTHORIZATION FORM
PWA GROUP OFFICER REPORTING FORMS

 



 






During Our
37th PWAA NATIONAL CONVENTION SPECIAL

you can apply for the NEW
37th National Convention Plan

This plan will be offered from June 1, 2014 to June 30, 2015 ONLY.

It is Whole Life insurance with a Singe Premium payment.
The Single Premium in this plan is reduced by $37 by using the
37th PWAA National CONVENTION COUPON
which you can download from the link below.

Each active PWAA member can use one coupon only,
either for yourself or to pass along to a friend or family member.


MINIMUM FACE AMOUNTS

$3,000 newborn to age 20
$2,000 age 21 to 55
$1,000 age 56 to 85 (nearest birthday)

See premium chart, with the $37 discount already included, on the flyer which you can
download at the link below.


ISSUE AGES

16 days to 85 years of age


TO APPLY

• Simply fill out a life insurance application – form # PWAA LA-0900 2013
• For applications and the 37th PWAA National Convention COUPON,
contact our Home Office toll-free at 888-522-1898, send an email to padowski@pwaa.org
or download it from the link below.
• Your application, together with the 37th PWAA National Convention COUPON
and applicable premium payment, must be returned to:

Polish Women’s Alliance of America
6643 N Northwest Hwy 2nd FL
Chicago, IL 60631


no later than June 30, 2015

SPECIAL AWARDS
PWAA Groups will be awarded cash prizes as follows:
• $100 for 10 to 14 policies sold by group members
• $250 for 15 to 24 policies sold by group members
• $500 for 25 to 34 policies sold by group members
• $1000 for 35 or more policies sold by group members

All group awards will be announced and checks for the winning Groups will be presented to the
Group Presidents at the PWA 37th National Convention in August 2015.

Any individual group member selling five or more policies will be recognized in
the 37th National Convention Program Book.


CLICK HERE
FOR FLYER, RATES, and COUPON

 

 

$20,000 IS GOOD...$36,610 IS BETTER!!



 


Would you like to build up your estate, increase the legacy you leave to your children or grandchildren,
and provide an inheritance to your loved ones that is currently income-tax-free?

Do you have money sitting in a CD, Annuity, or Savings Account that will mature soon?
If so, on the maturity date, consider using this money to fund a PWA Single Premium Whole Life Insurance Policy
to get a much better return.

Here is an example:

70 year-old Sophie (a non-smoker) has $20,000 sitting in a CD. She plans to leave it to her granddaughter, Barbara.
If Sophie used this money to purchase a Single Payment Whole Life Insurance Policy from PWA, it would immediately have a life benefit value of $36,610.
By converting the CD to a Whole Life Insurance Policy, Barbara would receive $16,610 more from her dear Babcia Sophie – all currently tax-free!

The interest rate on Sophie’s CD is 1.5%.
It would take her almost 40 years
to earn $16,610!


Call Sales Director Bo Padowski at
888-522-1898, ext 220,
for more information on how to increase the return
on your savings and to increase your legacy,
or to request an application;
or send an email to padowski@pwaa.org

The face value of a Single Premium Whole Life Insurance
Policy will be based on your age, gender, and tobacco use status.
Approval will be based on the completed life insurance application
and is subject to PWA Underwriting Guidelines.

 




 


OPEN A TRADITIONAL OR ROTH IRA WITH PWA


And don’t forget your spouse. Keep in mind that you can contribute not only for yourself, but also for your husband or wife—even if your spouse doesn’t have any earned income. (Be sure to always consult your tax advisor regarding any financial decisions.)

Individual Retirement Account Contribution Limits For Traditional and Roth IRAs
$5,500 is the 2013 annual contribution limit to an IRA. Some individuals are allowed a tax deduction for a traditional IRA contribution, even those who also have workplace retirement plans, based on the level of adjusted gross income (those limits are being raised, so please check with your tax preparer for more details).
$1,000 is the catch-up amount allowed for individuals over age 50.


Highlights
Interest rates will be adjusted annually on January 1st and will be based on current market
conditions. The current annual interest rate is 1.75% and will be in effect until December 31, 2014.
The minimum guaranteed interest rate will never be less than 1%.
To open a PWA Annuity, a minimum initial deposit of $500 is required. Additional deposits of $100 or more may be made at any time, however total additional deposits in any certificate year may not exceed $5,000, excluding the opening deposit, for which there is no maximum limit.
Early withdrawal charges will be a percentage of the amount withdrawn as follows: in year one – 7%, year two – 6%, year three – 5%, year four 4%, year five – 3%, and no withdrawal charges thereafter.
You may withdraw up to 10% of your account value each year starting in the second year with
no early withdrawal charges.
Available UP TO AGE 80.
Amounts withdrawn before age 59 ½ may be subject to a 10% federal early withdrawal tax penalty.
To open a Traditional IRA and/or Roth IRA you have to meet certain requirements. There is no requirement for the Flexible Premium Tax-Deferred annuity.

The information above is not intended as a legal or tax advice. Consult your tax and/or legal advisors regarding all federal and state laws before making any financial decisions. Interest rates are subject to change.


Don’t wait!
Open a Traditional or Roth IRA or
Flexible Premium Tax-Deferred Annuity now!

Let your hard-earned money start working for you today!




 

 

PWA YOUTH INVESTMENT COMBO PLAN

 

Is a combination of a whole life insurance certificate with an annuity rider.

 

 

The life insurance is a single premium whole life policy, which provides guaranteed protection for an entire lifetime. Whole life policy accumulates cash value on a tax-deferred basis that can be used in a difficult financial situation in the form of a loan.

The Annuity Rider is similar to a savings accounts with interest compounded annually. The annuity value builds to half (½) the face value of the life insurance at attained age 18 at 1.5% annual rate of interest if all premiums are paid as due and no withdrawals are taken. The Annuity Rider matures on the anniversary of the certificate’s issue date, in the year of the child’s 18 birthday. If you choose the $5,000 benefit today, at age 18 your child receives a check for $2,500 plus a paid-up permanent life insurance policy with a $5,000 face value. This is a great way to provide a double benefit for your child or young family member.

ISSUE AGES

From 16 days old to 10 years (nearest birthday)

FACE AMOUNT

Minimum Issue $1,000

Maximum Issue $25,000

TO APPLY

Simply fill out the application and mail it with your applicable premium payment to:

POLISH WOMEN’S ALLIANCE OF AMERICA
6643 N NORTHWEST HWY, 2nd FL
CHICAGO, IL 60631

TO REQUEST AN APPLICATION

Call our Home Office at 1-888-522-1898; send email to: padowski@pwaa.org or

download from our web-site at www.pwaa.org (go to FORMS life Insurance Applications than choose
the state in which you live)

 

For more information please call:

1-888-522-1898

or email to: padowski@pwaa.org or visit: www.pwaa.org

 

CLICK HERE TO DOWNLOAD
YOUTH INVESTMENT COMBO BROCHURE

 

 



Polish Women’s Alliance of America wants to help you provide for your loved ones in a simple, easy and flexible way through a range of insurance and annuity products. You can’t know in advance what life has in store for you but you can plan for it. Our plans are an affordable, straightforward way to ensure that your dependents will be financially secure.

 

   
       
PWA Estate Builder
Term to Age 25-SPT25
Ordinary Life-WL

10-Pay Life-WL-10P

Single Premium Whole Life-SPWLP
 

 

 


PWAA WHOLE LIFE
Whole Life insurance is a good choice for long-range goals.
Provides life insurance protection for entire lifetime. Offers guaranteed, level premiums and guaranteed cash values. In addition to building cash value another benefit is loan value. You do not need to give up your insurance if you are in temporary difficult financial situation. You can borrow money from the cash value you've accrued. The longer you have your policy, the more value you build. The amount of your guaranteed cash value depends on the kind of whole life policy you have, its size, how long you have had it and if dividends are earned.

Dividends are not guaranteed. Dividends are result when the actual life insurance costs turn out to be less than was assumed in setting the premiums. The Board of Directors must approve dividends.

Whole Life offers a guaranteed death benefit that is payable to your beneficiaries as long as all premiums have been paid when due.

Since premiums are level, the younger you are when applying for a whole life policy, the less expensive premiums will be.

PWA Whole Life policies are available to anyone age 16 days old to 85(nearest birthday). The minimum face amount is $1,000 and maximum $50,000.

We are offering Single Premium Whole Life, 10 Years Payment Whole Life and Ordinary Life. The differences between those plans are how long you have to pay your premiums.

 

PWA ESTATE BUILDER PLAN
When seniors reach a certain age, they begin to think about adding additional life insurance to their current life insurance policies to make sure that their families have enough money after they depart this life. With the high cost of funerals and in these uncertain economic times, the last thing anyone wants is to leave their family with unpaid bills and other end-of-life expenses.

This is why Polish Women’s Alliance of America developed the PWA Estate Builder, which is a level-benefit Whole Life Insurance Plan. This type of life insurance has been designed to make it easy for our members and friends to apply for—and it is affordable. It is a simplified issue, which means that most seniors can qualify with NO MEDICAL EXAM . It is available for members and friends ages 50 to 75 (nearest birthday). The PWA Estate Builder life insurance policy allows you to choose the amount of coverage needed from $1,000 to $25,000 and to decide the premium payment mode—annual, semi-annual, quarterly, monthly, or Single Payment.


For Flyer and Rates

 

ORDINARY LIFE
The least expensive of all whole life plans, however the premium has to be paid for life. Premiums remain the same year after year.

10 YEARS PAYMENT WHOLE LIFE
The premiums are payable for a period of 10 years. After 10 years the policy is paid-up and cannot be canceled for failure to make payments or for any other reason.

For Children Rates (Ages 0-20)
For Rates (Ages 21-85)

SINGLE PREMIUM WHOLE LIFE
With single premium life, you pay up in front all premiums due for the full duration of policy. This requires only one payment and doesn't involve risks that the policy can be canceled for failing to make payments.

For Children Rates (Ages 0-20)
For Male Rates (Ages 21-85)
For Female Rates (Ages 21-85)

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TERM INSURANCE
Term insurance is designed for temporary life insurance protection. It is the cheapest form of coverage over a limited number of years. With term insurance, you pay only for life coverage; policy does not accumulate cash value. If you have temporary protection need, Term Life Insurance may be appropriate. It is mainly suitable for younger parents who need substantial insurance coverage at low cost. If you live beyond the end of the term, you get nothing except for the right of converting the term policy to the new whole life insurance without going through the underwriting process.


TERM TO AGE 25
It is a single premium term policy. This policy is fully convertible to whole life plan of protection of equal or lesser value. The whole life insurance can be any plan that we will provide at the time of the conversion. Our Single Premium Level Term provides valuable life insurance benefits. It also gives your child a solid start toward financial security. Once enrolled, your child is entitled to all benefits of being a member of Polish Women's Alliance of America.

This policy is available to children ages 16 days old to 21 years old (nearest birthday). Can be purchased for $5,000, $10,000, $15,000 or $25,000. To apply for plan only one time premium is needed. It is very inexpensive way to protect your child from newborn to age 25.

For Rates (Ages 0-20)

 

To request a quote, please contact the Polish Women's Alliance Home Office
Toll-free: 888-522-1898 ext. 228 E-mail: padowski@pwaa.org
Fax: 847-384-1494


 

 

 

 

Toll Free: (888) 522-1898 • Phone (847) 384-1200 email: pwaa@pwaa.org
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