Company Overview
Rating
A-
Issue Ages
40-80
Face Amounts
$1,000-$40,000
Application Submissions
Electronic
E & O
Not Required
Products
01
Guaranteed Assurance
Introducing the guaranteed issue plan featuring simple, hassle-free features tailored for both male and female applicants. It offers flexible face amounts, ranging from a minimum of $1,000 to a maximum of $25,000. The limited death benefit pays out as follows: in Years 1 and 2, beneficiaries receive 110% of premiums paid minus any loan, while after 2 years, the full death benefit is paid out. Opt for our optional Child or Grandchild Protection Rider, available for just $1 per month on policies with a face amount of $5,000 or more, offering a $2,500 benefit on the death of a dependent child or grandchild. Qualified individuals can enjoy a 6-month commission advance of up to $500 per policy. Our simplified application process requires no health questions and no health exam, ensuring a seamless experience. Experience instant decisions for quicker coverage approval, along with the convenience of a voice signature. Applications are accepted on a Not Seen Basis. With "Guaranteed Assurance," we provide straightforward benefits and options for enhanced coverage.
03
Graded Benefit
The plan offers graded death benefits tailored for various issue classes. Tailored for both male and female applicants, it accommodates both non-tobacco and tobacco users. Face amounts range from a minimum of $2,500 to a maximum of $40,000 (ages 50-80) and $25,000 (ages 81-85), providing flexibility. The graded death benefit pays out as follows: 30% of the face amount in Year 1, 70% in Year 2, and 100% in Year 3. An optional Child or Grandchild Protection Rider is available for just $1 per month on policies with a face amount of $5,000 or more, providing a $2,500 benefit on the death of a dependent child or grandchild. Eligible individuals can benefit from a 9-month commission advance, up to $1,500 per policy. The simplified application process includes simple health questions and no health exam, ensuring a streamlined process with instant decisions for quicker coverage approval. Additional conveniences include the option for a voice signature, with applications accepted on a Not Seen Basis. With "Graded Benefit," we offer a structured death benefit plan with additional options for enhanced coverage.
02
Great Assurance
This plan offers first-day coverage for individuals of all genders and both non-tobacco and tobacco users. Face amounts vary, ranging from $2,500 to $40,000 (ages 50-80) and $25,000 (ages 81-85). Included is an Accelerated Death Benefit Rider, providing free coverage for terminal and chronic illnesses, alongside an optional Accidental Death Rider. Additionally, a Child/Grandchild Protection Rider is available at $1 per month, providing a $2,500 benefit on child/grandchild death. Qualifying individuals may benefit from Agent Commission Advancing, offering a 9-month advance of up to $1,500 per policy. The simplified application process requires no health exam, ensuring a quick decision process with instant approval for faster coverage. Convenient options such as voice signature are available, and applications are accepted on a Not Seen Basis. With "Great Assurance," we aim to deliver immediate, accessible coverage with a range of benefits.
04
Highlights
Personal health history interviews are conducted based on the information gathered during the underwriting process and are conducted on a case-by-case basis. There are 3 and 6-month advances available up to $500 per policy.
