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Review insurance options to help decide for yourself
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Guaranteed Acceptance Life Insurance This is permanent, whole life insurance with no health questions asked and no physicals required. |
Living Insurance® This two-part plan extends the value of your life insurance, so you can collect up to 50% of it early if you become seriously ill. |
Permanent Whole Life Insurance With our Permanent Whole Life plan your premium is locked in for life. Your rate will never go up. |
Renewable Term Life Insurance Renewable Term Life is guaranteed renewable up to age 90. Your rate is based on gender and age when coverage takes effect. |
| Age & State Availability | |||
| Ages 50-85 in most states | Varies Based on Plan Ages 40 – 75. (Chronic Illness Rider is available to ages 40-64.) Available in all states except California, Montana, New York, and the Virgin Islands. Ages 18 – 75 (Chronic Illness Rider is available to ages 18 – 64.). Available in all states except California, Montana, New York, and the Virgin Islands. | Ages 40 – 75. Available in all states except New York and the Virgin islands. | Ages 18 – 75. Available in all states except Montana, New York, and the Virgin Islands. |
| Medical Exam Requirements | |||
| You cannot be turned down because of your health. We can guarantee acceptance because of a two-year limited benefit period. This is permanent, whole life insurance with no health questions asked and no physical to take. | Varies Based on Plan Answers to the questions on the application/enrollment form will help us determine your eligibility. This is permanent, whole life insurance with no medical exam required. An underwriter may contact you by phone for more information Answers to the questions on the enrollment form will help us determine your eligibility. This is term life insurance with no medical exam required. An underwriter may contact you by phone for more information. | Answers to the questions on the application will help us determine your eligibility. This is permanent, whole life insurance with no medical exam required. An underwriter may contact you by phone for more information. | Answers to questions on the application will help us determine your eligibility. This is term life insurance with no medical exam required. An underwriter may contact you by phone for more information. |
| Length of Coverage | |||
| Lifetime | Varies Based on Plan Lifetime Renewable to age 90 | Lifetime | Renewable to age 90 |
| Maximum Life Insurance Benefit | |||
| Varies | Varies Based on Plan $50,000 $50,000 | $50,000 | $50,000 |
| Cash Value | |||
| Begins to build cash value after the first year of coverage which you can borrow against at a guaranteed rate. | Varies Based on Plan The whole life insurance begins to build cash value after the first year of coverage which you can borrow against at a guaranteed rate Depending on how long you've had your coverage, cash value may be available to borrow against at a guaranteed interest rate. | Begins to build cash value after the first year of coverage which you can borrow against at a guaranteed rate. | Depending on how long you’ve had your coverage, cash value may be available to borrow against at a guaranteed interest rate. |
| Premium Rates | |||
| Your premium is locked in when coverage takes effect. Your rate will not change for the life of the policy. | Varies Based on Plan Premium is based on gender and age when coverage takes effect. Rate will not change for the life of the policy. Initial premium is based on your gender and age when coverage takes effect. Rates increase as you enter a new age band. | Premium is based on gender and age (in Montana, age only) when coverage takes effect. Rate will not change for the life of the policy. | Initial premium is based on your gender and age when coverage takes effect. Rate increase as you enter a new age band. |
| Flexible Payment Options | |||
| Enjoy the flexibility to pay premiums monthly, quarterly, semi-annually, or annually. | Varies Based on Plan Enjoy the flexibility to pay premiums monthly, quarterly, semi-annually, or annually. Enjoy the flexibility to pay premiums monthly, quarterly, semi-annually, or annually. | Enjoy the flexibility to pay premiums monthly, quarterly, semi-annually, or annually. | Enjoy the flexibility to pay premiums monthly, quarterly, semi-annually, or annually. |