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.
16 days to 85 years of age
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 email@example.com
or download it from the link below.
Your application, together with the 37th PWAA National Convention
and applicable premium payment, must be returned to:
Polish Womens Alliance
6643 N Northwest Hwy 2nd FL
Chicago, IL 60631
no later than June 30, 2015
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.
FOR FLYER, RATES, and COUPON
$20,000 IS GOOD...$36,610
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
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
Sophies 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 firstname.lastname@example.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.
A TRADITIONAL OR ROTH IRA WITH PWA
And dont forget
your spouse. Keep in mind that you can contribute not only for
yourself, but also for your husband or wifeeven if your
spouse doesnt have any earned income. (Be sure to always
consult your tax advisor regarding any financial decisions.)
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
$1,000 is the catch-up amount allowed for individuals over age
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
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.
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
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
certificates issue date, in the year of the childs
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
From 16 days old to 10
years (nearest birthday)
Minimum Issue $1,000
Maximum Issue $25,000
Simply fill out the application
and mail it with your applicable premium payment to:
POLISH WOMENS ALLIANCE
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: email@example.com
download from our web-site
at www.pwaa.org (go to FORMS life
Insurance Applications than choose
the state in which you live)
more information please call:
or email to: firstname.lastname@example.org
or visit: www.pwaa.org
HERE TO DOWNLOAD
YOUTH INVESTMENT COMBO BROCHURE