The Omega Plan

The most important goal to achieve at the Work Site life interview is to provide product to employees that is easily  understood. Plans must be affordable. They must address the needs of the average wage earner. They should be simple to enroll and should easily complement other insurance plans.

Omega Financial Group provides such a plan. It is insured by Transamerica Life Insurance Company. (A special market division of Transamerica Life worked with Omega  to develop its own term life insurance plan. It met all the criteria listed above, and more!)

The Omega Plan - How It Works .......

(Renewable Term Policy NPRT0400, May Vary by State;  not available in all states)

Guaranteed premium for 7 years

Issued in face amounts from $10,000 to $100,000

Premium includes waiver of premium (NBWP 0100) and AD&D (Policy form #NPAD0100) May vary by state; not available in all states.

Employee may enroll spouse

Children may be covered  (NRCH0100 Children's Benefit Rider) Varies by state.

Simplified Issue (Application #14308 or state variation)

Fully portable at same rates

Paycheck Provider (Accidental death annuity  - can be enrolled separately from the basic term) (Policy form #NPAD0100  or state variation, & not approved in all states) Provides a lifetime income to the beneficiary, following the accidental death of insured. Income amounts from $250 to $1000 per month. (Guaranteed payment period is 20 years)

Transamerica Life Insurance Company can provide a full listing of states in which these specific plans and riders are approved.

Can include accelerated death benefit (per state rules)

A+ (superior) rated by A.M. Best. Ratings as of 12/31/99. (2nd of 15 categories A++ to F) Opinions of A.M. Best Company reflect relative financial strength and operating performance of insurance company. Rating criteria and ranking can vary by company. Copies of the rating reports are available from the Insurance Company upon request.

The Omega Plan is included in the OneChek System

And for brokers: Exceptional compensation

Transamerica Life is licensed in all states, except New York. This plan may vary by state (subject to specific limitations). Omega Financial Group may be contacted for broker or regional marketing relationships. This plan and other Work Site Universal Life plans are available to employers in most states.

Call today. 800-560-6779

This summary is not an offer to insure; for informational purposes, only. Availability and underwriting varies by employer. See policy contract for exceptions and limitations.