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Simplified Term

Universal Life

Modified Life

 

 

 

 

 

 

 

 

 

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.

 

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

Association Term

 

No Medical Exams or blood work required as part of the application process

10 year renewable term

Issue ages 18 to 65

Plans are available to members of the following:

All Government Employees (Federal, State, County & City)

First Responders (Police, Firemen, emergency medical professionals)

Employees of State Funded Educational Institutions

Railroad Employees

Hospital Employees

Spouses of eligible individuals

Non-Medical 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

 

Life Insurance with Cash Accumulation Option

 

Life insurance products combined with a cash accumulation option.

Whole Life or Term Insurance options are available.

Product benefits and specifications are listed below.  Contact the Marketing Sales Team to learn more.