- Life Insurance
to Customers and MONY Financial Professionals
MONYs 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.
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
In keeping with being a company of choice, the associates
of The MONY Group are committed to the following principles:
and its associates conduct business according to the high
standards of honesty and integrity that would be expected
from a company of choice.
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.
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.
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
MONY Whole Life Products
Custom Premier can help give you peace of mind in two simple
premium will never go up.
long as the premium is paid, you can be covered for as
long as you live.
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.
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 companys balance sheet. At
the same time, MONY Custom ValueMax can be the cornerstone
of a benefits package that helps you attract, retain and reward
premium will never go up, guaranteeing level premiums.
And its guaranteed paid up at age 90.
covered until age 100, as long as the premium is paid.
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
Custom Term 1
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
a yearly renewable term product, MONY Custom Term 1 can
be renewed annually until you are 79 years old, with coverage
to age 80.
premium you pay for the basic benefit increases annually,
but never exceeds the maximum guaranteed in the policy.
your MONY Financial Professional to help you tailor MONY Custom
Term 1 to your specific needs.
Custom Term 5, 10, 15, 20
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
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.
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.
this policy is renewable, you will pay a specified level
premium for an initial period, then pay a different premium
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.
Custom Term 50
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).
premium that you pay for the basic benefit increases annually,
but never exceeds the maximum guaranteed in the policy.
a yearly renewable product, MONY Custom Term 50 can be
renewed annually for nine years, providing a total of
10 years of coverage.
youre 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
Custom Equity Master
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.
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.
is a variable life insurance policy because you allocate
your premium and cash values into subaccounts with a wide
variety of investment objectives.
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 childs
college education, or your business protection and compensation