TERM COVERAGE

 

            Term coverage is available in 30, 25, 20, 15, and 10 year increments.

 

Level face amount and level premiums guaranteed for the life of the policy.

 

     Available Options:

 

Return of Premium (ROP), aka Free Insurance

You pay all of the required premiums and keep the policy in force for the life of the policy.        

In return, ALL of the premiums you paid will be refunded to you. 

Visit the Free Insurance page to learn more.       

           

Disability Income

                                    This is applicable if you are disabled for 90 consecutive days due to an accident.

This will provide you with up to 24 months of income for mortgage or vehicle payment.

 

            Critical Illness Accelerated Death Benefit

                                    This is applicable after 30 days if you meet the criteria for being deemed critically ill.

                                                (example: heart attack, stroke, life threatening cancer, etc.)

                                    This will provide you with advanced income that will be subtracted from the death benefit.

 

            Terminal Illness Accelerated Death Benefit

                                    This is applicable if a physician determines that your life expectancy is 12 months or less.

                                    A percentage of the death benefit will be advanced (typically 50% to 75%) to you.

                                    The remaining balance of the death benefit will be payable upon death.

           

            Children’s Insurance Benefit

                                    This option allows you cover a child under the age of 18 for a face amount of up to $50,000.

                                    Coverage will remain in effect until the child reaches age 25.

                                    At age 25, this is convertible to any whole life insurance policy, without having to prove insurability.