Whole Life insurance is the simplest form of permanent life insurance. It provides death benefits coverage up to age 110 and gives you access to guaranteed cash values.* With flexible payment options and five rate classifications to provide you with a competitive rate.
* Cash value may be accessed through policy loan or surrender. Additional charges may apply.
OPTIONAL COVERAGES
We offer several optional coverages so your policy can be customized to meet your needs. These coverages may not be available on all Whole Life insurance product options and may require an additional charge.
Optional coverages include:
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- Automatic Premium Loan
- Disability Premium Waiver Rider
- Accidental Death Benefit Rider
- Guaranteed Purchase Option Rider
- Children’s Term Life Insurance Rider
Customized Joint Life Discount:
A 5% discount may be available when two or more policies written on individuals with a mutual insurable interest are billed together.**
** Not available for Single Pay Whole Life and Ten Pay Whole Life.
Simplified Issue Whole Life Insurance
Life insurance can become more expensive as we get older. That’s why we offer Simplified Issue Whole Life Insurance. There’s no requirement to see a doctor, coverage can be issued quickly, and we offer affordable premiums.
Policy Features:
- Issue ages 50 to 80
- Policy amounts from $10,000 to $50,000
- No physical exam or medical tests required – you only have to be able to answer “no” to a few questions on the application
- No height and weight restrictions
- Premiums payment option of annual, semi-annual, quarterly or monthly EFT (Electronic Funds Transfer)
- Coverage, premiums and cash values are guaranteed to age 110