Company Overview
Rating
A-
Issue Ages
50-80
Face Amounts
$5,000-$25,000
Application Submissions
Paper, voice, & electronic options
E & O
Required
Products
01
Highlights
Guaranteed Issue: No health questions on application and no medical exam required. This policy provides cash value as long as premiums are paid consistently. Submit business conveniently through our Agency Portal with eSignature capabilities. Premium payment options include direct monthly billing or debit/credit card payments (with slightly higher premiums), as well as quarterly, semi-annual, and annual premium payment frequencies. You can submit business using either a paper application or the agent portal, ensuring flexibility and ease of use.
02
Two Year Graded Death Benefit Limitation
During the initial two-year graded death benefit limitation period, if the death is accidental, the full death benefit will be paid out. However, if the death is non-accidental within this timeframe, all premiums plus 10% interest will be paid. Following the conclusion of the two-year graded death benefit period, the full face amount will be paid out for death due to any reason.
