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 Cheapest Life Insurance USA

MONY - Life Insurance

About Mony

Commitment to Customers and MONY Financial Professionals
MONY’s corporate culture is grounded in the highest ethical standards. Throughout its history, MONY has been recognized for integrity in dealing with customers and prospective customers – avoiding deceptive and high-pressure sales tactics, settling claims promptly and fairly, and providing responsive service. Within the workplace, MONY seek to maintain an environment of collegiality, diversity and mutual respect.
MONY is an equal opportunity employer. MONY are proud that their commitment to corporate ethics guides MONY's operations today as it has for more than a century and a half.

Ethical Practices

Corporate Conduct
MONY is proud to be among the first companies to qualify for membership in the Insurance Marketplace Standards Association (IMSA), which sets standards for ethical conduct in developing, sales and servicing of individual life and annuity products. MONY Life Insurance Company is a charter member of IMSA; as of April 1, 1998, 155 life insurance companies have been named charter members.

Code of Ethics
In keeping with being a company of choice, the associates of The MONY Group are committed to the following principles:

  • MONY and its associates conduct business according to the high standards of honesty and integrity that would be expected from a company of choice.
  • To do this, MONY maintain a highly competent sales force focused on meeting their customers’ needs, wants and desires while competing in the marketplace in a fair and professional manner.
  • MONY recognize that replacement of a policy is almost never in the best interest of a policyholder. Therefore, MONY and its associates will not offer or recommend replacement except when it can be clearly demonstrated that the replacement is in the best interest of the customer and meets his or her needs, wants and desires.
  • Lastly, MONY use advertising and sales materials that fairly and accurately represent MONY's products and services, and provide solutions when customers have not received promised value.

MONY Whole Life Products

MONY Custom Premier

MONY Custom Premier can help give you peace of mind in two simple ways:

  • Your premium will never go up.
  • As long as the premium is paid, you can be covered for as long as you live.

With such a solid foundation, you might not expect to find the level of flexibility that MONY Custom Premier offers. Because this policy is eligible for dividends (which are not guaranteed), you can apply any dividends paid in a variety of ways to help meet your financial goals. And, you may decide to access your cash values to help fund a range of needs from college tuition to use in business.

MONY Custom ValueMax

Individuals may find that MONY Custom ValueMax meets their needs, but business owners will be particularly interested in this policy. MONY have structured it with a high early cash value, which can be reflected on your company’s balance sheet. At the same time, MONY Custom ValueMax can be the cornerstone of a benefits package that helps you attract, retain and reward talented employees.

  • Your premium will never go up, guaranteeing level premiums. And it’s guaranteed paid up at age 90.
  • You’re covered until age 100, as long as the premium is paid.

MONY Custom ValueMax, like all of MONY's insurance products, can be tailored to your needs with the help of an experienced MONY Financial Professional.

MONY Term Life Products

MONY Custom Term 1

This term life policy can be the cost-effective answer to your temporary life insurance protection needs. MONY Custom Term 1 provides temporary protection, without cash accumulation or increasing death benefit provisions. But its convertibility makes it a policy for people who need to keep their options open.

  • As a yearly renewable term product, MONY Custom Term 1 can be renewed annually until you are 79 years old, with coverage to age 80.
  • The premium you pay for the basic benefit increases annually, but never exceeds the maximum guaranteed in the policy.

Ask your MONY Financial Professional to help you tailor MONY Custom Term 1 to your specific needs.

MONY Custom Term 5, 10, 15, 20

Term life insurance products like MONY Custom Term 5, 10, 15, 20 are a good choice for people with a short-term need for the protection life insurance provides. MONY Custom Term 5, 10, 15, 20 has also been structured with conversion provisions for people who want the economy of term insurance and the ability to make the transition to permanent coverage (within five years).
Unlike other renewable term products whose premiums increase yearly, MONY Custom Term 5, 10, 15, 20 offers the peace of mind of level premiums for specified periods.

  • Term life insurance is for people who only need temporary death protection: in this case for 5, 10, 15 or 20 years. Coverage can extend to age 95 with increasing premiums.
  • Because this policy is renewable, you will pay a specified level premium for an initial period, then pay a different premium at renewal.

All MONY's insurance products can be custom built for you. Ask your MONY Financial Professional about the convertibility and other optional benefit riders available with MONY Custom Term 5, 10, 15, 20.

MONY Custom Term 50

Term products, like MONY Custom Term 50, are best for people who want sensible, affordable, temporary life insurance protection (in this case, for one to 10 years).

  • The premium that you pay for the basic benefit increases annually, but never exceeds the maximum guaranteed in the policy.
  • As a yearly renewable product, MONY Custom Term 50 can be renewed annually for nine years, providing a total of 10 years of coverage.

If you’re thinking that MONY Custom Term 50 could be right for you, speak with your MONY Financial Professional about the optional benefit riders available.

MONY Variable Universal Life

MONY Custom Equity Master

MONY Custom Equity Master allows you to adjust your amount of life insurance protection, in addition to choosing the premiums you pay and the way they are allocated. You can also modify the balance of cash accumulation versus death benefit. Few life insurance products offer such control.
This flexibility means greater management responsibility on your part, greater risk and the attendant potential for greater reward. In other words, MONY Custom Equity Master attracts people who want to be very involved in the maintenance of their life insurance policy.

  • This is a flexible premium product because you can vary your premium payments up or down, even skip a payment without losing coverage, so long as you have sufficient cash value in the policy.
  • This is a variable life insurance policy because you allocate your premium and cash values into subaccounts with a wide variety of investment objectives.

Your MONY Financial Professional can help you choose the MONY Custom Equity Master options that are best for you – whether you are looking for a way to fund your retirement, your child’s college education, or your business’ protection and compensation needs.




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