Permanent Insurance is different than term insurance because it provides a lifetime of coverage and allows you the opportunity to lock in a premium that will never increase regardless of future health. Cash values accumulate with an excellent dividend paying history, which can be a future source of income for children's education, emergencies, retirement, or final expenses. Within this type of insurance you have a number of options that can meet your premium paying needs.
Whole Life
20-Pay-Life
10-Pay-Life
Simplified Issue Whole Life
Single Premium Whole Life
Whole Life
What Does It Have To Offer?
Premiums will never increase
Guaranteed cash values and death benefits
Excellent dividend paying history
Minimum $25,000 face amount or $150 annual premium
Life-long protection
Various dividend payout options: - Use dividends to buy additional paid-up insurance - Leave the dividend on deposit to earn interest - Use dividends to reduce premium
Who Should Choose This Plan?
Those between ages 0-85
Those who want reasonable monthly, quarterly, semi-annual, or annual premiums that offer a lifetime of coverage
Young people who want to lock in a premium with sufficient coverage regardless of future health
Seniors who want to protect their assets from the pitfalls of probate and estate taxes
Adults who want income from the cash value for children’s education, emergencies or retirement
20-Pay-Life
What Does It Have To Offer?
Premiums are payable for only 20 years
Premiums will never increase
Guaranteed cash values and death benefit
Excellent dividend paying history
Life-long protection
Minimum $10,000 face amount or $150 annual premium
Various dividend payout options: -Use dividends to buy additional paid-up insurance -Leave the dividend on deposit to earn interest -Use dividends to reduce premium
Who Should Choose This Plan?
Those who want to pay premiums for only 20 years
Those betweent the ages 0-80
Young adults who want to lock in a premium with sufficient coverage regardless of future health
Seniors who want to protect their assets from the pitfalls of probate and estate taxes
Adults who want income from the cash value for children's education, emergencies, or retirement
10-Pay-Life
What Does It Have To Offer?
Premiums are payable for only 10 years
Premiums will never increase
Guaranteed cash values and death benefit
Excellent dividend paying history
Life-long protection
Minimum $10,000 face amount or $150 annual premium
Various dividend payout options: -Use dividends to buy additional paid-up insurance -Leave the dividend on deposit to earn interest -Use dividends to reduce premium
Who Should Choose This Plan?
Those who want to pay premiums for only 10 years
Those between the ages 0-85
Young people who want to lock in a premium with sufficient coverage regardless of future health
Seniors who want to protect their assets from the pitfalls of probate and estate taxes
Adults who want income from the cash value for children's education, emergencies, or retirement
Simplified Issue Whole Life
What does it have to offer?
Premiums will never increase
Death benefit will never decrease
Guaranteed cash value
Minimum $2,000 face amount and $10 modal premium
Life-long protection
Increase insurance amount with Paid-up Additions rider
Who should choose this plan?
Those between the ages of 20 and 85
Those who want affordable monthly, quarterly, semi-annual, or annual premiums that offer a lifetime of coverage
Anyone who does not want to answer cumbersome health questions
Young poeple who want to lock in a premium with sufficient coverage regardless of future health
Seniors who want to protect their assets from the pitfalls of probate and estate taxes
Adults who want income from the cash value for children's education, emergencies, or retirement
Simplified Issue Single Premium Whole Life
What does it have to offer?
Completely paid up with only one premium payment
Guaranteed cash values
Death benefit will never decrease
Life-long protection
Minimum issue is $1,000 of insurance and $500 of premium
Who should choose this plan?
Those who want one payment for a paid-up policy
Those between the ages of 0-90
Anyone who does not want to answer cumbersome health questions
Seniors who want to protect their assets from the pitfalls of probate and estate taxes
Parents or grandparents who want to establish an education fund for their children
Adults who want to create a final expense plan
Adults who want to increase their assets from a taxable savings account to a life insurance policy that passes on to their heirs tax-free (seek advice from a tax advisor).
Anyone who wants to establish a scholarship in their name.
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