Whole Life – permanent life insurance

Life Insurance for your time

For your new family member

Children’s Whole Life is permanent life insurance that parents buy for their child. The child’s future insurability is guaranteed, regardless of health conditions that may occur later.

14 days to 17 years
$5000 – $50,000
Additional coverage may be purchased in the future without evidence of insurability
Limited health questions and no medical exam
Rates never increase and benefits never decrease

Whole Life Insurance offers simplified underwriting and level and graded benefit plans for seniors to help cover final and other expenses.

Simplified underwriting (no Dr. visit), for policies less than $250,000
Whole Life can be in amounts from $50,000 to $10,000,000
Health reviews for policies in excess of $250,000
No death benefit reductions in early years (Level Benefit only)

Term Life – 10, 15, 20, or 30 year plans

Term Life can require the application for full medical underwriting.

Term Life products are issued on a simplified underwriting basis, which means your clients can get their policies faster.

Term life is the most affordable type of life insurance. A 40 yr old male $250,000 for $27.00 a month.
Term Life Insurance is by far the most popular form of Life Insurance, and by far the most affordable.
$100,000 up to and beyond $1,000,000
Accelerated Death Benefit for Terminal Illness Rider*
Accidental Death Benefit Rider
Waiver of Premium for Unemployment Rider*
Dependent Children’s Rider
Other Insured Rider
Disability Waiver of Premium Rider

Life Insurance with $$ growth

Indexed Universal Life – Indexed universal life insurance is a type of permanent life insurance. It provides a death benefit and also has the potential for growth that is based on the performance of a market index.

Guaranteed Universal Life – Works just like indexed UL except this is not linked to a stock index, rather it is linked to a set rate of return.

Both indexed and guaranteed UL have several options that allow you to customize them for you needs and wants.