Life Products
List of Products
There are many different types of insurance. Below is a list of coverages provided.
Final Expense
Coverage for burials. Limits usually range from $10,000-$40,000. No health exams. Covers many health illnesses.
Ages: 0 - 85
Coverage Years: Lifetime (as long as premiums paid)
Coverage Amounts: $1,000 - $40,000
Riders: Accidental Death, Grandchild Rider, Children Rider
Special Info: Applicants from 45 - 80 are able to get coverage with ANY illness!
Mortgage Protection
Coverage to protect your mortgage in the event of death.
Ages: 20 - 75
Coverage Years: 15 year 20 year 30 year
Coverage Amounts: $25,000 - $450,000
Riders: Accidental Death, Disability Income Rider, Children Rider, Additional Insured (Spouse) Rider
Whole Life
Coverage that last for the life of the insured as long as premiums are paid. Coverage amount and premiums never change. These policies gain cash value and in special cases may be "paid up" to require no more premiums.
Ages: 0 - 85
Coverage Years: Lifetime (as long as premiums are paid)
Coverage Amounts: 5,000 - 10,000,000 (may or may not need medical depending on coverage amount)
Riders: Spouse Rider, Family Rider, Children Term, Accidental Death, Guaranteed Purchase, Waiver of Premium, Disability Income Rider, Accelerated Death Benefit, Annuity Rider, and more!
Term Life
Coverage for a certain amount of years. No exam required for up to $300,000. Many different riders can be added to this coverage.
Ages: 0 - 75
Coverage Years: 10 Years 15 Years 20 Years 30 Years
Coverage Amounts: 25,000 - 65,000,000
Riders: Children Term, Accidental Death, Guaranteed Purchase, Waiver of Premium, Return of Premium*, and many more!
Special Info: Return of premium will refund up to 100% of your money when your policy expired.
Children Whole Life
Plans specifically for children. No health exam, height, weight, or SSN required. Coverage will never decrease, and premiums will never increase. Grandparent can cover grandchildren even without parents. ONLY 2 QUESTIONS!!!
Ages: 0 - 17
Coverage Years: Lifetime (as long as premiums are paid)
Coverage amounts: 5,000 - 50,000
Riders: Depends on company
Group Insurance
Life, medical, dental, vision, and accidental insurances for your business.
Annuities
Life insurance protects your life, and annuities protect your retirement. Roll over your retirement into a plan that is guaranteed to not have a negative return. When you start your payments they continue for the rest of your life!
Critical Illness
Special coverage for cancer, strokes, heart attacks, and many other illnesses. This coverage can come attached to a life insurance policy or be brought as a stand alone policy.
Ages: 18 - 55 (depending on coverage type. If with policy will last until age 65)
Years: 10 Years, 15 Years, 20 Years, 30 Years, Life (if you die under life without using coverage, all your premiums will be refunded to a beneficiary)
Covered illness: Internal cancer or malignant melanoma, heart attack, stroke, Alzheimer's disease major organ transplant, blindness, paralysis, deafness, kidney failure, coronary artery bypass surgery, coronary angioplasty