Life insurance designed to provide coverage for the lifetime of the insured, generally with level premiums and cash values. Coverage remains in effect as long as the premium payments are kept current.

Single Pay Life

POLICY FEATURES

• Whole Life Insurance Coverage
• Issue ages 0 - 80
• Minimum policy amount - $5,000
• Participating policy
• One time premium for a lifetime of coverage
• Full membership benefits

OPTIONAL RIDERS

• Accidental Death Benefit

10 Pay Life

POLICY FEATURES

• Whole Life Insurance Coverage
• Issue ages 0 - 80
• Minimum policy amount - $5,000
• Participating policy
• Guaranteed premiums
• Premiums payable for 10 consecutive years
• Lifetime coverage
• Full membership benefits

OPTIONAL RIDERS

• 10 Year Term Rider
• 10 Year Term Spouse Rider
• Accidental Death Benefit
• Waiver of Premium
• Payor Waiver of Premium
• Guaranteed Insurability Option

20 Pay Life

POLICY FEATURES

• Whole Life Insurance Coverage
• Issue ages 0 - 75
• Minimum policy amount - $5,000
• Participating policy
• Guaranteed premiums
• Premiums payable for 20 consecutive years
• Lifetime coverage
• Full membership benefits

OPTIONAL RIDERS

• 20 Year Term Rider
• 20 Year Term Spouse Rider
• Accidental Death Benefit
• Waiver of Premium
• Payor Waiver of Premium
• Guaranteed Insurability Option

Permanent Pay LIfe

POLICY FEATURES

• Whole Life Insurance Coverage
• Issue ages 0 - 80
• Minimum policy amount - $5,000
• Participating policy
• Guaranteed premiums
• Premiums payable for life
• Lifetime coverage
• Full membership benefits

OPTIONAL RIDERS

• 10 or 20 Year R & C Level Term Rider
• Accidental Death Benefit
• Waiver of Premium
• Payor Waiver of Premium
• Guaranteed Insurability Option
• Child Term Rider

Simplified Issue

POLICY FEATURES

• Permanent insurance coverage
• Minimal medical requirements
• Issue ages 18 - 75
• 100% coverage from the first day of approval
• Policy amounts
  • $10,000 Minimum 
  • $   1,000 Increments for additional coverage
  • $25,000 Maximum
  •  
• Metholds of payment
  • 3 annual payments
  • 5 annual payments
  • 7 annual payments
• Full membership benefits

Guaranteed Issue Modified Whole Life

POLICY FEATURES

• Non-participating permanent whole life coverage
• Issue ages 0 - 75
• No medical exams
• Guaranteed issue
• Premiums payable for life
• Premiums will never increase
• Policy amounts
  • $3,000
  • $5,000
  • $10,000
• Death benefits
  • 25% of face amount payable if death occurs in year 1
  • 50% of face amount payable if death occurs in year 2
  • 75% of face amount payable if death occurs in year 3
  • 100% of face amount payable if death occurs thereafter
• Full member benefits