Immediate Benefit Plans

Super Preferred Whole Life

This product is offered to people ages 40 to 80 who have no health issues and who have not used tobacco or nicotine products in the past 5 years. We offer this whole life coverage at very reasonable premiums that have a face amount range of $5,000 to $30,000. Features of this plan include:

For non-tobacco users (within the past 5 years)
Full benefit from date policy is issued
Issue ages 40 to 80
Minimum face amount of $5,000
Maximum face amount of $30,000
Optional Accidental Death Benefit Rider available

Preferred Whole Life

This product is offered to people ages 0 to 80 with minor health issues and who have not used tobacco or nicotine products in the past twelve months. The face amount range of $1,000 to $20,000 is sure to fit everyone’s needs. Features of this plan include:

For non-tobacco users (within the past 12 months)
Full benefit from date policy is issued
Issue ages 0 to 80
Minimum face amount of $1,000
Maximum face amount of $20,000
Optional Accidental Death Benefit Rider available

10 Pay Preferred 5% Growth Whole Life

This product is offered to people ages 40 to 85 who have minor health issues and who have not used tobacco or nicotine products in the past 12 months. We offer this whole life product with a face amount range of $1,000 to $5,000. The benefit of this product is that it increases by 5% of the face amount each year after the first year. Another advantage of owning this plan is that you pay premiums for 10 years, and afterwards, you never have to pay another premium and the policy remains in force. The features of this plan include:

Increasing benefit
Issue ages 40 to 85
Minimum face amount of $1,000
Maximum face amount of $5,000

Standard Whole Life

This is our most popular product we offer because so many people qualify for this plan. We offer this to people ages 0 to 85 with face amounts of $1,000 to $20,000. Features of this plan include:

Issue ages 0 to 85
Full benefit from date policy is issued
Minimum face amount of $1,000
Maximum face amount of $20,000 up to age 80, $10,000 from ages 81 to 85
Optional Accidental Death Benefit Rider available

20 Pay Standard Whole Life

This product is popular for younger people ages 0 to 60. This product offers coverage of $1,000 to $20,000 and is paid up in twenty years. At the end of year 20, the policy is paid-up and you never have to pay another premium. The features of this plan include:

Full benefit from date policy is issued
Issue ages 0 to 60
Minimum face amount of $1,000
Maximum face amount of $20,000
Optional Accidental Death Benefit Rider available

Joint First-To-Die Standard Whole Life

This product is ideal for people between 40 to 85 who live in the same household and desire an immediate benefit for the first to die. Insuring two people at one affordable price is an attractive feature. Upon the death of the first insured and before the survivor insured's 86^th birthday, the survivor insured has 60 days to purchase an immediate benefit plan at the survivor insured's attained age and no health questions are asked. The face amount range is $1,000 to $20,000. The maximum face amount is $20,000 for ages 40 to 80 and $10,000 for ages 81 to 85. The features of this plan include:

Full benefit from date policy is issued
Issue ages 40 to 85
Minimum face amount of $1,000
Maximum face amount of $20,000 up to age 80; $10,000 from ages 81 to 85
Optional Accidental Death Benefit Rider available

Substandard Whole Life

This product is offered to people in Massachusetts and Minnesota with moderate health issues. The features of this plan include:

Full benefit from date policy is issued
Issue ages 40 to 85
Minimum face amount of $1,000
Maximum face amount of $5,000
Optional Accidental Death Benefit Rider available

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