Regular Issue Whole Life

This life insurance plan is available to those who qualify based on health questions between ages 0 and 80.  The plan provides an immediate full death benefit from the first day of coverage with our best premium rate.  This plan also has smoker and non smoker rates.  To qualify for our best premium rate all health questions must be answered no.

Simplified Issue Whole Life

This life insurance plan is available to those who qualify based on health questions between ages 0 and 80.  The plan provides an immediate full death benefit from the first day of coverage with an affordable premium.  This plan also has smoker and non smoker rates.  To qualify for this immediate coverage you must answer no to the health questions other than those relating to treatment in the past 5 years.

Guaranteed Issue Whole Life

A life insurance plan that is available to those with certain health histories between ages 0 and 80.  This benefit is a return of premium plus 8% interest if death occurs with the first two policy years and full face amount thereafter. 

Youth Builder

A modified whole life policy for children between ages 0 and 17 with simplified underwriting.  This provides an immediate full death benefit from the first day of coverage.  Premium is guaranteed for life and when you child reaches the age of 18 the face amount automatically doubles with no additional premium.