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Address

241 E Commercial Blvd 402, Oakland Park, Florida 33334

Open Hours

08 : 30 A.M - 08 : 30 P.M

KAM INSURANCE SERVICES

KAM Insurance Services

We at Kam Financial Group values our clients the most by offering comprehensive Insurance Services that will take the away all your anxiety and uncertainty.

We make sure you have the best Insurance coverage that meet your exact needs for your family, work and future. Our dedicated service team will be with all throughout 24/7, keeping you well informed and giving you the right service at the right price. You wouldn’t have to give a lot, to get a lot.

ART

ISSUE AGES 
18-65 
 
MINIMUM FACE AMOUNT 
$50,000 
 
UNDERWRITING CLASSES 
Face amount up to $250,000: 
Standard and Substandard 
 
Face amount $250,001+ : 
All Classes 

10-Year

ISSUE AGES 
18-70 
 
MINIMUM FACE AMOUNT 
$50,000 
 
UNDERWRITING CLASSES 
Face amount up to $250,000: 
Standard and Substandard 
 
Face amount $250,001+ : 
All Classes 

15-Year

ISSUE AGES 
18-65 
 
MINIMUM FACE AMOUNT 
$50,000 
 
UNDERWRITING CLASSES 
Face amount up to $250,000: 
Standard and Substandard 
 
Face amount $250,001+ : 
All Classes 

20-Year

ISSUE AGES 
18-60 
 
MINIMUM FACE AMOUNT 
$50,000 
 
UNDERWRITING CLASSES 
Face amount up to $250,000: 
Standard and Substandard 
 
Face amount $250,001+ : 
All Classes 

30-Year

ISSUE AGES
18-50

MINIMUM FACE AMOUNT
$50,000

UNDERWRITING CLASSES
Face amount up to $250,000:
Standard and Substandard

Face amount $250,001+ :
All Classes

Signature Whole Life

Signature Whole Life

Key Facts

MINIMUM FACE AMOUNT
$10,000

 

RATE BANDS
Band 1: $10,000 to $99,999
Band 2: $100,000 to $250,000
Band 3: $250,001 to $999,999
Band 4: $1,000,000+

 

ISSUE AGES
0-80 non-nicotine
18-75 nicotine

 

UNDERWRITING CLASSES
Preferred Plus nicotine non-user*
Preferred nicotine non-user*
Preferred nicotine*
Standard Plus nicotine non-user*
Standard nicotine non-user
Standard nicotine user
*These classes are not available for face amounts of $250,000 or less for ages 0-65

All Bands
Substandard nicotine users and non-user table 1 – 16
Flat extras

Overview

Signature Whole life insurance is designed to provide permanent coverage. The coverage and the financial benefits provided will be there when it is needed, no matter when that may be. Signature Whole Life provides a stable premium, a guaranteed death benefit, and cash values. It also provides the potential to receive policy dividends.

GUARANTEED VALUES

  • Premiums – Signature WL premiums are fixed at the beginning of the policy and will not increase, regardless of health or age.
  • Cash Value – The guaranteed cash value will grow each year at a fixed rate and be able to borrow in the event of financial emergency or other need.
  • Death Benefit

DIVIDENDS: NON-GUARANTEED POTENTIAL

Dividends depend on the financial results of American National and may be paid to policy holders at the end of each policy year. Although dividends are not guaranteed, American National has a history of paying dividends to whole life policy holders. Dividend options:

  • Cash
  • Premium Reduction
  • Dividend Accumulation
  • Paid up Additions

PAID UP ADDITIONS RIDER

Allows the client to purchase paid-up participating whole life insurance. The paid up insurance can be paid as either a one-time purchase payment at the time of application or via scheduled payments for a specified duration of time.

 

ADDITIONAL RIDERS

  • Accelerated Benefit Riders
  • Children’s Term Rider
  • Kam Financial Signature Term Rider – ART, 10, 15, 20, 30 years
  • Disability Premium Waiver
  • Guaranteed Insurance Option Rider

There may be an additional cost for the riders above, see Benefits and Rider Guide on the right for complete rider information. All riders are not available in all states.

 

Product Details

Consumer Materials

  • Estate Planning Situations
  • Estate Planning – Case Study
  • Case Study for Grandparents: Purchase A Whole Life Policy for a Grandchild
  • Brochure
  • Benefits and Rider Guide

 

Agent Materials

  • Bi-Weekly Rates
  • Monthly Rates
  • Frequently Asked Questions
  • Recorded Presentation

State Approvals

Signature Plus Indexed Universal Life

Overview

Signature Indexed Universal Life (IUL) is a flexible premium universal life insurance policy with both fixed and indexed crediting options as well as an interest rate enhancement.

CUSTOMER LOYALTY REWARD

To reward customer loyalty, an interest rate enhancement (up to 1%) may begin in year eleven and continue for the life of the policy.

INTEREST CREDITING OPTIONS

Premiums may be allocated to a Fixed Account, one or more Index Strategies, or a combination of any of the available interest crediting strategies. Depending on the allocation, the policy holder can earn fixed interest or interest based upon the performance of the S&P 500® Index.

 

FIXED INTEREST CREDITING OPTION

The fixed account will earn interest at a rate periodically determined by the company. Interest is calculated using a compound method assuming a 365 day year.

 

INDEXED INTEREST CREDITING OPTIONS

American National uses annual reset point to point strategies to determine the interest, if any, to be credited to strategies. These strategies use the performance of an index, in this case the S&P 500® Index, between specific time frames, to determine the interest rate, subject to other limitations, such as the Cap, Floor, or Specified Rate, to be credited to an index segment in an Index Strategy.

 

  • Point to Point with Cap: An indexed interest crediting method based on the change in value of the S&P 500®Index with a Cap and a 0% Floor.
  • Point to Point with Cap and Higher Floor: An indexed interest crediting method based on the change in value of the S&P 500® Index with a Cap and a Higher Floor than the previous strategy.
  • Point to Point with Specified Rate: An indexed interest crediting method based on the change in value of the S&P 500® Index. If there is an increase or no change in the index then a Specified Rate is credited in the Indexed Strategy with a Specified Rate, otherwise the interest crediting is zero.
  • Point to Point Uncapped with Interest Rate Spread: An indexed interest crediting method based on the change in value of the S&P 500® Index in the Indexed Strategy with no Cap and an Interest Rate Spread and 0% Floor.

 

RIDERS

Allow your clients to customize their coverage with policy riders.

  • Chronic, Critical, and Terminal Illness Accelerated Benefit Riders
  • Interest Rate Enhancement Rider
  • Overloan Protection Benefit (Only available for Guideline Premium Test)
  • Kam Financial Signature Term Rider for UL
  • Disability Waiver of Minimum Premium
  • Disability Waiver of Stipulated Premium
  • Children’s Term Rider
  • Guaranteed Increase Option Rider

 

There may be an additional cost for the riders above, see Benefits and Rider Guide on the right for complete rider information. All riders are not available in all states.

 

Key Facts

MINIMUM FACE AMOUNT
$25,000 (GPT)
ISSUE AGES
0-85
PREMIUM BANDS
BAND 1:
$25,000 – $ 99,999
BAND 2:
$100,000 – $ 250,000
BAND 3:
$250,001 – $ 499,999
BAND 4:
$500,000 – $ 999,999
BAND 5:
$1,000,000 and over

 

Product Details

Consumer Materials

  • Brochure
  • Your Life Journey
  • Sweep Account Overview
  • Riders and Benefits Guide

Signature Indexed Universal Life

Overview

Signature Indexed Universal Life (IUL) is a flexible premium universal life insurance policy with both fixed and indexed crediting options.

INTEREST CREDITING OPTIONS

Premiums may be allocated to a Fixed Account, one or more Index Strategies, or a combination of any of the available interest crediting strategies. Depending on the allocation, the policy holder can earn fixed interest or interest based upon the performance of the S&P 500® Index.

 

FIXED INTEREST CREDITING OPTION

The fixed account will earn interest at a rate periodically determined by the company. Interest is calculated using a compound method assuming a 365 day year.

 

INDEXED INTEREST CREDITING OPTIONS

American National uses annual reset point to point strategies to determine the interest, if any, to be credited to strategies. These strategies use the performance of an index, in this case the S&P 500® Index, between specific time frames, to determine the interest rate, subject to other limitations, such as the Cap, Floor, or Specified Rate, to be credited to an index segment in an Index Strategy.

  • Point to Point with Cap: An indexed interest crediting method based on the change in value of the S&P 500®Index with a Cap and a 0% Floor.
  • Point to Point with Cap and Higher Floor: An indexed interest crediting method based on the change in value of the S&P 500® Index with a Cap and a Higher Floor than the previous strategy.
  • Point to Point with Specified Rate: An indexed interest crediting method based on the change in value of the S&P 500® Index. If there is an increase or no change in the index then a Specified Rate is credited in the Indexed Strategy with a Specified Rate, otherwise the interest crediting is zero.
  • Point to Point Uncapped with Interest Rate Spread: An indexed interest crediting method based on the change in value of the S&P 500® Index in the Indexed Strategy with no Cap and an Interest Rate Spread and 0% Floor.

 

RIDERS

Allow your clients to customize their coverage with policy riders.

  • Chronic, Critical, and Terminal Illness Accelerated Benefit Riders
  • Overloan Protection Benefit (Only available for Guideline Premium Test)
  • Kam Financial Signature Term Rider for UL
  • Disability Waiver of Minimum Premium
  • Disability Waiver of Stipulated Premium
  • Children’s Term Rider
  • Guaranteed Increase Option Rider

 

There may be an additional cost for the riders above, see Benefits and Rider Guide on the right for complete rider information. All riders are not available in all states.

 

Product Details

Consumer Materials

  • Brochure
  • Your Life Journey
  • Crediting Opportunities
  • Sweep Account Overview
  • Riders and Benefits Guide
  • Plan for Life with Signature IUL

 

Agent Tools

  • Presentation
  • Frequently Asked Questions

State Approvals

Insurance Contact Information
Licenses Insurance Agency
Toll Free: 1800-498-3147
Local:(727) 202-4862
Insurance@kamfinancialgroup.com

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