Life Insurance & Annuity Products At

Traditional Whole Life Products

20-Year Limited Pay – Junior (J Plan)

Issue Ages: 0-17

Minimum Issue: $15,000

Maximum Issue: $50,000

This limited pay life certificate will give you a certificate completely paid up in 20 years. This permanent life certificate not only includes a death benefit but also has the ability to build cash value.

20-Year Limited Pay – Adult (H Plan)

Issue Ages: 18-70

Minimum Issue: $10,000

Maximum Issue: $249,999

For young adults, this limited pay life certificate will give you a certificate completely paid up in the foreseeable future – 20 years.

For many seniors it may allow you to supplement your current coverage. This permanent life certificate not only includes a death benefit but also has the ability to build cash value.

Premiums for these traditional whole life products may be paid on an annual, semi-annual, quarterly, monthly or monthly bank draft basis.

Available Riders on Traditional Whole Life Products

Accidental Death Benefit (ADB)

Insurance Protection (IPR)

Premium Waiver (WP)

Non-Forfeiture Options on Traditional Whole Life Products

Reduced Paid-up Whole Life Insurance

Surrender for Cash Value

Automatic Premium Loan

NOTE: These products have a non-commissionable certificate fee that is included in the illustration.

Single Premium Whole Life - Junior (JSPL Plan)

Issue Ages: 0-17

Minimum Issue: $15,000

Maximum Issue: $1,000,000

This plan is appropriate for those wishing to provide set face value protection with a single premium payment. Perfect for grandparents or anyone with the available funds to provide for a “once and done” life insurance solution.

This is a non-participating single premium whole life plan, paid once at issue and is valid for the life of the individual. This product has no accumulation account, and is a Modified Endowment Contract as defined by Federal Law.

It does provide for Non-Forfeiture Net Cash values as laid out in the contract. Please see the Table of Guaranteed Values per $1,000 face amount, which shows the amount of cash value for this certificate. The assumption is that the certificate is in force and that there is no indebtedness on the certificate.

A certificate loan is available for this plan, but cannot exceed the net cash value of the certificate as of the date the loan is made. See Table of Guaranteed Values in the contract language.

Single Premium Whole Life - Adult (SPL Plan)

Issue Ages: 18-70

Minimum Issue: $10,000

Maximum Issue: $4,000,000

Same description as Junior Plan above, but with $10,000 minimum issue.

No riders are available with this insurance plan.

Non-forfeiture Options on Traditional Life Products

Surrender for Cash Value

Note: These products have a non-commissionable certificate fee that is included in the Illustration.

Senior Adult Final Expense (SAFE)

Issue Ages: 50-90

Minimum Issue: $5,000

Maximum Issue: $50,000

The Senior Adult Final Expense Plan is a Modified Endowment Contract as defined by federal law.

The SAFE Plan is a single premium product with an increasing death benefit.

No Riders are available with this insurance plan.

Non-Forfeiture Options on the Senior Adult Final Expense Plan

Surrender for Cash Value