- Life Insurance
provides insurance, annuities and investments to individuals
and businesses. A member of the Generali Group, a family of
more than 150 financial services companies operating internationally,
BMA is part of one of the largest and most stable multinational
insurance carriers in the world.
in 1909, BMA products help supply needed income in the event
of death or disability, provide funds to help pay for a child's
education or ensure a comfortable retirement, and protect
businesses from financial disaster. The company is also one
of the country's top professional life reinsurers and pension
providers, and owns Jones & Babson, a no-load mutual fund
management company and BMA Financial Services, Inc., a full-service
Do the Rating Services Say About BMA?
Independent insurance industry analysts rate insurance companies
on their financial stability and their ability to pay the
claims presented to them. BMA has earned these impressive
ratings from the leading rating agencies:
(Very Strong) Standard & Poor's Corporation
S&P has been ranking companies since 1923. Insurers rated
AA by S&P offer excellent financial security.
(Excellent) A.M. Best Company
Best has been recognized as a leading firm in analyzing the
financial strength of insurance companies since 1899. Ratings
are based on its current opinion of a company's financial
ability to meet its obligations to policyholders. This rating
is assigned to companies Best believes demonstrate excellent
(Very Strong) Fitch
Formed through a merger of Duff & Phelps Credit Rating
Co. and Fitch IBCA, Fitch rates entities in 75 countries,
including more than 700 insurance companies. BMA's AA rating
reflects its strong capacity to meet policyholder and contract
(Good) Moody's Investors Service
Moody's has been in the credit rating business since 1909.
In 1986, Moody's began issuing financial strength ratings
to measure an insurance company's ability to punctually repay
senior policyholder claims and obligations. This rating is
based on BMA's solid reinsurance operations, its good-quality
bond portfolio, its good capitalization, and its strategic
importance in the global operations of Generali, its ultimate
BMAFS - Life Insurance
Offers Life Insurance Products for Both Personal and Business
Life Insurance, including:
Life Insurance Variable Life Insurance
Is Life Insurance Important?
Will you live forever? Unless you answer this question differently
from the rest of us, you'll need to plan for life's natural
events, and life insurance is one of the best ways to do that.
of These Reasons to Buy Life Insurance Apply to You?
of children or grandchildren
of a favorite charity
a legacy for your heirs, not Uncle Sam
your key employees for valued service
of your business following your death or that of a key
Much Life Insurance Do I Need?
The answer to this question is unique for each individual.
Consider the following categories, then seek the advice of
a financial advisor to review your personal situation.
much money will your dependents need to pay off the mortgage
or continue paying rent?
much money will your dependents need to pay education
much money will they need to pay off all outstanding debt?
(Car loans, personal loans, credit cards, store charges,
much money will be needed for funeral expenses and estate
medical expenses associated with your death be paid with
savings or life insurance proceeds?
will your dependents need to cover ongoing expenses?
much would the death of a key employee impact the bottom
line of your business?
your business partner dies, do you have enough money to
buy his/her share of the business?
BMAFS - Variable Life Insurance
Variable Life Series: Life Insurance and Investment Opportunity
The reasons for buying life insurance are clear: financial
protection for the people who rely on you, opportunity for
wealth accumulation, estate liquidity, and business needs.
Clarity Variable Universal Life, a unique combination of life
insurance and tax-deferred investment opportunity. Clarity
Variable Universal Life offers you the flexibility to choose
the amount and timing of premium payments and the ideal amount
of insurance coverage for you, within certain guidelines.
the same time, it also gives you the opportunity to choose
from a wide array of variable subaccounts, so you can determine
how your policy's accumulation value should be invested. In
most cases, the accumulation value of your life insurance
policy will not create any tax liability, and the death benefit
paid to your beneficiaries will be free of income tax as well.
P.O. Box 419879,