EASY CHOICE WHOLE LIFE

The power of peace of mind.

Planning for final expenses, covering debts and leaving a legacy are stressful decisions many people avoid. However, making choices about these matters does not have to be difficult. Easy Choice Whole Life is intended to provide quick and easy coverage for long-term needs.

Easy Choice Whole Life Highlights:

  • No medical exams
  • Simplified underwriting
  • Short form application
  • Issue ages 18-80
  • Coverage amounts from $5,000 - $50,000
  • Guaranteed cash values, level death benefit and level premiums
  • Accelerated Death Benefit and Seat Belt Benefit Riders included at no additional cost—subject to state approval


Term Select

GUARANTEED INCREASING Whole Life

Gain confidence with guarantees.

Point-of-Sale Guaranteed Increasing Whole Life is designed to help cover final expenses, such as the costs associated with funeral and burial expenses. In addition, it can help cover other financial obligations that may be incurred at the death of a loved one, such as car loans, student loans or credit card debt.

Point-of-Sale Guaranteed Increasing Whole Life Highlights:

  • Multiple guarantees: Increasing death benefit, level premiums and cash values
  • Immediate underwriting decision provided by the end of the phone call
  • Coverage amounts from $2,000 - $150,000
  • No medical exam
  • Issue ages 18-85
  • Accelerated Death Benefit Rider and Seat Belt Benefit Rider available, in states where approved



YOUTH WHOLE LIFE

Provide the gift of a lifetime.

Youth Whole Life provides protection for a lifetime at a guaranteed fixed price.

Youth Whole Life Highlights:

  • Guaranteed death benefit, cash values and premiums
  • Coverage amounts from $2,000 - $50,000
  • Options for the future (surrender cash values or reduced paid-up insurance)
  • Several payment options: continuous pay, 5-pay or single pay
  • Accelerated Death Benefit Rider, Seat Belt Benefit Rider and Additional Paid-Up Insurance Rider available, in states where approved



LEVEL WHOLE LIFE - SINGLE PREMIUM

Protect the money you have earned and transfer funds to your children or grandchildren.

Level Whole Life is designed to provide an alternative to CDs and annuities by providing an income tax-free way to transfer money to future generations or a favorite charity.

Level Whole Life Highlights:

  • Guaranteed death benefit and cash values
  • Liquidity in case of an emergency
  • Competitive return on investment
  • Issue ages 18-85
  • Faster underwriting decisions for face amounts below $250,000
  • Accelerated Death Benefit and Seat Belt Benefit Riders included at no additional cost



Level Whole Life - Continous Pay

Your need for life insurance changes as your life changes.

Level Whole Life offers flexibility traditionally not found in whole life products, while still providing lifetime protection that is fully guaranteed.

Level Whole Life Highlights:

  • Guaranteed death benefit and cash values
  • Covers both short and long-term needs
  • No limit on the face amount of any term riders
  • Issue ages 18-85
  • Coverage amounts from $2,000 - $1,000,000
  • Additional Paid-Up Insurance Rider, Additional Insured Term Rider, Waiver of Premium Disability Benefit Rider, Term Insurance Rider for Children, Total Disability Income Benefit Rider, Term Insurance Rider with Accelerated Benefit (CI Rider), Accelerated Death Benefit Rider and Seat Belt Benefit Rider available, in states where approved



INCREASING WHOLE LIFE

Reduce the burden of final expense costs.

Increasing Whole Life is designed to provide a guaranteed increasing death benefit and superior cash values while maintaining a guaranteed level premium.

Increasing Whole Life Highlights:

  • Death benefit that is guaranteed to increase until it doubles in year 29 (death benefit remains level after year 29)
  • Coverage amounts as low as $2,000
  • Guaranteed increases help keep up with rising funeral costs
  • Additional Insured Term Rider, Waiver of Premium Disability Benefit Rider, Term Insurance Rider for Children, Total Disability Income Benefit Rider, Term Insurance Rider with Accelerated Benefit (CI Rider), Accelerated Death Benefit Rider and Seat Belt Benefit Rider available, in states where approved



ULTRA CHOICE UNIVERSAL LIFE

Permanent protection at a low cost.

ULTRA CHOICE UL is permanent life insurance with an adjustable death benefit and flexible premium payments. Tax-deferred interest adds to cash value.

ULTRA CHOICE UL Highlights:

  • Low face amounts from $10,000 or the amount $300 minimum premium will purchase
  • Withdrawals and loans available – borrow from the cash value at a low interest rate
  • Additional Insured Term Rider, Waiver of Premium Benefit Rider, Accelerated Death Benefit Rider, Accidental Death Benefit Rider, Term Insurance Rider for Children, Seat Belt Benefit Rider, Guaranteed Insurability Option Rider, Total Disability Income Rider and Term Insurance Rider with Accelerated Benefit Rider (CI Rider), in states where approved



Disability Income Rider

You insure assets such as your home and car, but your most important asset is your ability to earn an income.

The Disability Income Rider can be added to your new individual term, universal or whole life insurance policy to help protect you and your loved ones from loss of income due to disability or death.

Disability Income Rider Highlights:

  • Maximum benefit amount of 1% of total face amount up to $5,000 per month
  • Insured is totally disabled if unable, due to sickness or injury, to perform all of the material and substantial duties of his or her regular occupation
  • Benefits are not coordinated with Social Security or Workers' Compensation
  • Elimination period options of 30, 60 or 90 days before benefits are paid
  • Benefit period up to two years
  • Terminal Illness benefit



CRITICAL ILLNESS RIDER

With improved medical technology, your chance of surviving a critical illness is very high; however, your finances could be in jeopardy.

The Critical Illness Rider can be added to your new individual term, universal or whole life insurance policy to help you protect your loved ones from life's whens and ifs: loss of life and the financial burden that can come with surviving a critical illness.

Critical Illness Highlights:

  • The Critical Illness Rider is a 5-, 10-, 15-, 20-, 25- or 30-year term life insurance rider with an accelerated benefit.
  • Benefit amounts from $10,000 - $100,000
  • Issue ages 18-60
  • Provides coverage for the selected term period of 5-, 10-, 15-, 20-, 25- or 30-years or to age 70, whichever is less.
  • Nontobacco and tobacco rates
  • Upon diagnosis of a covered critical illness, the Critical Illness Rider provides a lump-sum cash payment up to 100% of the face amount of the rider
  • Covered Conditons
    Advanced Stage Cancer
    Heart Attack
    Stroke
    Kidney Failure (End-Stage Renal Disease)
    Major Organ Failure
    Early Stage Cancer (25% benefit)
    Coronary Artery Bypass Surgery (25% benefit)

  • Any accelerated benefit will be deducted from the life insurance amount of the rider, not from the base life insurance policy
  • Upon death of the insured - if no accelerated benefits are paid and the policy and rider are still in force - a death benefit for the Critical Illness Rider will be paid, in addition to the death benefit of the base life insurance policy