Immediate Solution- A whole life product that is paid-up at the age of 99.  This product is prefect for final expense.  It offers rates at preferred and standard for non-tobacco and tobacco qualifiers.

 

Easy Solution- A Graded Death benefit that offers those who don't qualify for the Immediate Solution due to health issues a full death benefit after the first two years of the policies life.  If death occurs in the first two years of the policy  it pays 30% of the full death benefit in year 1 and 60% in year 2.

 

10 Pay Solution- Is a ten year pay life insurance, which means you have the option of paying premiums for 10 years, as opposed to your whole life, you receive an immediate full death benefit even after you are done paying for ten years.  Although the premium rates are higher if the applicant out lives the 10 years than the policy will more than make up for a return on policy.

 

* Death Benefit will never decrease

* Death Benefit is payable to your beneficiary income tax free

* Policy will NEVER cancel even if health declines or as age increases

* Premiums will NEVER increase

* Guarantee cash value accumulates and can be borrowed against

* Most claims are paid within two business days after all required documents are received.

 

 

 

Issue Age:

Immediate Solutions 99 ages 0-85

10 Pay Solution ages 0-85

Easy Soluiton ages 18-80 Graded Death Benefit