• Whole Life Insurance - Provides level death benefit protection with level premiums and guaranteed cash values. Whole Life insurance can provide needed cash value for emergency family needs and can help supplement future retirement income.
• Simplified Issue Whole Life - This plan offers guaranteed premiums, death benefit protection and cash values to age 100 for insureds age 50-80. Provides coverage for final expenses, such as medical and hospital expenses, outstanding debts and funeral costs. Easy-to-complete short form application with minimal underwriting requirements.
• Simplified Issue Children's Advantage Plan Plus® - This plan offers guaranteed premiums, death benefit protection and cash values to age 100 for insureds 15 days through age 17. The death benefit will increase automatically 50% at age 18 and then again at age 25, with no increase in premium

Term insurance provides coverage for a specified period of time such as 10 or 20 years. It is designed to protect short-term needs such as debt obligations, mortgages or protection while children are young. Typically, term insurance does not provide cash value

• Term 500 - Minimum death benefit for this policy is $500,000. Either a 10 or 20 year term can be purchased with the premiums guaranteed for that period.
• 10 and 20 Year Level Term Insurance - These programs provide level death benefits for either 10 or 20 years. They can include a guaranteed premium and renewal benefit at the policyholder’s option.
• Yearly Renewable Term - Provides protection for one year at a time. Premiums are adjusted each year coverage is continued.
• Decreasing Term - Provides decreasing death benefit protection for a specified term of 10, 15, 20, 25 or 30 years.
• Simplified Issue 5 Year Level Term - This plan provides low-cost level death benefit protection for short-term needs such as debt obligations. Easy-to-complete short form application with minimal underwriting requirements.

Most Life Insurance Products can include these optional additional benefits

• Disability Waiver of Premium - Waives premium payments (or cost of insurance charges if Universal Life Insurance) if the insured becomes disabled for six months or longer.
• Accidental Death - Provides additional death benefits should death occur as a result of an accident.
  
• Family Plan - Insured’s spouse and/or children can be added for life insurance protection.
  
• Mortgage Payment Disability Benefit - Provides money to continue making debt obligation payments if the insured becomes totally disabled for 60 days or more.
• Payor Death and Disability - This additional benefit waives the premium payments (or cost of insurance charges if Universal Life) on a child’s policy if the premium payor becomes disabled or dies.
• Guaranteed Purchase Option - Provides opportunities to purchase additional life insurance protection at certain ages without proving insurability.

Universal and Traditional Life

Permanent insurance is designed to provide life-long coverage with benefits and features usually not available with term life insurance policies. Cash value is available for emergencies, family members can be included and coverage and premium payments generally remain level.

• Universal Life Insurance - Provides immediate cash value, flexible premium payment plans, tax deferred savings and guaranteed death benefits. Universal Life programs can be custom designed to fit individual protection needs, financial security needs and supplement retirement needs.