These companies carry final expense and supplemental health products.

Accendo, Aetna, & CVS

These companies carry final expense and supplemental health products.

Rating

Issue Ages

40-89

Face Amounts

$2,000-$50,000

Application Submissions

Paper & Electronic

E & O

Not Required

Products

Level

This policy offers coverage to individuals between the ages of 40 and 89. With Preferred and Standard options, clients receive full benefits from day 1. The maximum death benefit varies based on age brackets: for ages 40-55, it's $50,000; for ages 56-65, it's $40,000; for ages 66-75, it's $30,000; and for ages 76-89, it's $25,000. Additionally, the policy comes with a minimum death benefit of $2,000.

Modified

This policy offers coverage to individuals aged 40 to 75. During the first two years, clients benefit from a Return of Premium feature, with a bonus of +10%. From the third policy year onwards, they receive full benefits. The policy provides a maximum death benefit of $25,000, ensuring substantial protection for beneficiaries. Additionally, there's a guaranteed minimum death benefit of $2,000, providing a safety net for policyholders and their loved ones.

Rider Options

The Accelerated Death Benefit Rider offers peace of mind by granting 50% of the death benefit if a medical condition leads to terminal, chronic, or critical illness within 12 months. The Children's Term Rider extends coverage for children up to age 25, with units of $2,500, up to a maximum of $10,000 per child, and limited to 9 children. For added protection, the Accidental Death Benefits Rider pays 100% of the base policy's face amount for accidental death, applicable for issue ages 40-70. These riders ensure flexibility and security tailored to your specific needs.