- Final Expense
- Simplified Term
- Universal Life
- Modified Life
- Mortgage Protection
Ordinary Whole Life Insurance
Issue ages 0 to 85 (ages vary in some states)
Multiple Death Benefit Plans to qualify for based on health history.
No Cost accelerated benefits including Terminal Illness & Confined Care
Affordable Premiums that never increase regardless of changes to your age or health.
Death Benefit cannot decrease regardless of changes to your age or health.
Benefits are paid to your beneficiary and are not subject to federal income tax.
Cannot be canceled because of changes to your age or health as long as premiums are paid.
Accumulated Cash Value can be used for emergencies or other financial needs.
No Medical Exams or blood work required as part of the application process.
Simplified Term
Non-Medical
No Medical Exams or blood work required as part of the application process
Several different term durations to choose from to suit your needs
Coverage amounts range from $25,000 to $250,000
Return of Premium option available
Convertible to a permanent plan of insurance without proof of insurability
Universal Life
Flexible-premium, adjustable-benefit life insurance contract which accumulates cash value
No Medical Exams or blood work required as part of the application process
Coverage amounts range from $25,000 to $250,000
15 year no-lapse guarantee if minimum premium is paid
Fully Underwritten Universal Life
Flexible-premium, adjustable-benefit life insurance contract which accumulates cash value
No stated maximum coverage amount
No-lapse guarantee if minimum premium is paid
Modified Life
Life Insurance with Cash Accumulation Option
Life insurance products combined with a cash accumulation option.
Whole Life or Term Insurance options are available.
