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PrintLimited Benefit Plans
Modified Whole Life
We offer this product to people who have moderate health conditions. This limited benefit plan features a return of premiums plus 10% during the first two years of coverage. We offer this product to people ages 40 – 85 with face amounts of $1,000 to $15,000. The features of this plan include:
- Issue ages 40 to 85
- Minimum face amount of $1,000
- Maximum face amount of $15,000
- Benefit is 110% of premiums paid within first two years, full face amount thereafter for natural death
- Optional Accidental Death Benefit Rider available
Easy Issue Whole Life
This product is offered to people ages 0 – 85. Only a couple of questions are asked to ensure greater eligibility for those with significant health conditions. The face amounts are $1,000 to $10,000. This limited benefit plan features a return of premium plus 10% during the first three years of coverage. The features of this plan include:
- Issue ages 0 to 85
- Minimum face amount of $1,000
- Maximum face amount of $10,000
- Benefit is 110% of premiums paid within first three years, full face amount thereafter for natural death
- Optional Accidental Death Benefit Rider available
Graded Whole Life
This product is offered to people in Missouri and Arkansas with moderate health conditions. Face amounts currently range from $1,000 to $10,000. This product’s benefit is 50% face amount for first year claims, 75% face amount for second year claims, and then full face amount thereafter. The features of this plan include:
For Missouri
- Issue ages 76 to 85
- Minimum face amount of $1,000
- Maximum face amount of $10,000
- Year 1: 50% of face amount
- Year 2: 75% of face amount
- Year 3: full face amount
For Arkansas
- Issue ages 40 to 85
- Minimum face amount of $1,000
- Maximum face amount of $10,000
- Year 1: 50% of face amount
- Year 2: 75% of face amount
- Year 3: full face amount
Guaranteed Issue Whole Life
This product features no health questions. This policy is guaranteed to anyone without regard to health conditions. This product is offered to people ages 0 – 85. The face amounts range from $1,000 to $10,000 and benefits are 110% of premiums paid for the first three years and then the full face amount the fourth year and thereafter. This plan is currently only available in the State of North Carolina. The features of this plan include:
- Issue ages 0 to 85
- Minimum face amount of $1,000
- Maximum face amount of $10,000
- Benefit is 110% of premiums paid within first three years, full face amount thereafter for natural death
- Optional Accidental Death Benefit Rider available
Agents, click here to download state applications and forms.