A unique strategy for affordable protection

At the core of Synergy's design is a revolutionary pool of money concept.

Here's how it works

You can buy from $100,000 to $500,000 of Synergy, called your Synergy amount of insurance.

The amount of insurance you buy creates a pool of money called your available amount of insurance.

Whenever a benefit is paid, your available amount of insurance reduces by that amount.

Offers protection until your available amount of insurance is reduced to zero, or at age 65, whichever is first.

You can access your available amount of insurance three ways

1 Your disability
benefit

2 Your critical illness benefit

3 Your life insurance benefit

Your monthly disability benefit amount is the lesser of

1) 0.5% of your Synergy amount of insurance, and

2) the available amount of insurance

Your covered condition benefit amount is the lesser of

1) 25% of the Synergy amount of insurance, and

2) the available amount of insurance (less any Recovery Benefits)

Your early Intervention Benefit is 6.25% of the Synergy amount of insurance

-  Can be paid more than once but not in connection with a covered condition claim

-  First Early Intervention Benefit does not reduce future benefit amounts payable

Your life insurance death benefit is 100% of your available amount of insurance

The pool of money concept provides different benefits than owning three separate insurance products. But that's the point.


By using the pool of money approach, Synergy provides solid insurance protection across three risk areas - at an affordable price, helping you protect your income, without costing too much of it.