Term life offers a low-cost solution for a defined period and may be converted to permanent coverage should the needs change.
The Accelerated Death Benefit (ADB) is designed to pay cash benefits upon diagnosis of a qualifying critical, chronic, or terminal illness. Any cash payments made to the insured reduces the death benefit.
The child rider provision is available for children age 15 months or older.
Guaranteed Universal Life (UL), offers affordable long-term death benefit protection up to age 120. The guaranteed exchange privilege allows exchange to accumulation indexed universal life products.
Without evidence of insurability.
Indexed Universal Life (IUL)
Guaranteed death benefit, subject to premium payment requirements. Cash value accumulation potential through interest and bonus credit.
Executive Bonus
An executive bonus funded with life insurance policy is designed to focus on the Business owner, executive, manager, director or top sales person with specialized knowledge or relationships, it is often used as a vehicle for retirement.
Waiver of premium: Allows the entire premium to be waived while the primary insured is totally disabled after the disability has continued for 180 consecutive days.
Waiver of charges: In the event of disability, monthly deductions from the policy fund are waived. The disability must have continued for six consecutive months from the time of disability.
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