Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a whole life policy. This policy will never go up in price or expire as long as premiums are paid, so it will always be there for your family when they need it.
If you pass away of natural causes within the first two years of your policy effective date, your loved one will receive 110% of the payments that you have made into the policy up to that point.
If you pass away due to an accidental death, your loved one will receive the full death benefit amount from day one of the policy’s effective date.
After the second year, your loved one will receive the full death benefit amount regardless of cause of death. This will allow your loved ones to grieve properly without the added stress of funeral costs or bills they may need to take on by themselves.
CASH ACCUMULATON
In addition, this type of policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5% - 4.5% interest each year. So, if anything happens to you, your family will get the life insurance money. OR if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for.
AETNA (MODIFIED), AFLAC (MODIFIED), AMERICAN HOME LIFE (MODIFIED), COREBRIDGE (SIWL GRADED / GUARANTEED), GERBER (GUARANTEED), MUTUAL OF OMAHA (GRADED), ROYAL NEIGHBORS (GUARANTEED), TRANSAMERICA Easy Solutions (GRADED)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a whole life policy. This policy will never go up in price or expire as long as premiums are paid, so it will always be there for your family when they need it.
If you pass away of natural causes within the first two years of your policy effective date, your loved one will receive a return of all the premiums you have made into the policy up to that point, plus interests. The interest will depend on which month you pass away. For example, if you pass away in the 12th month from the effective date, your beneficiary will receive a return of all premiums, plus 12% interest.
If you pass away due to an accidental death, your loved one will receive the full death benefit amount from day one of the policy’s effective date.
After the second year, your loved one will receive the full death benefit amount regardless of cause of death. This will allow your loved ones to grieve properly without the added stress of funeral costs or bills they may need to take on by themselves.
CASH ACCUMULATON
In addition, this type of policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5% - 4.5% interest each year. So, if anything happens to you, your family will get the life insurance money. OR if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for.
AMERICO SELECT TEIR 3 (GRADED)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a whole life policy. This policy will never go up in price or expire as long as premiums are paid, so it will always be there for your family when they need it. If you pass away of any cause, natural or accidental, your loved one will receive the death benefit, tax free. This will allow your loved ones to grieve properly without the added stress of funeral costs or bills they may need to take on by themselves.
CASH ACCUMULATON
In addition, this type of policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5% - 4.5% interest each year. So, if anything happens to you, your family will get the life insurance money. OR if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER (NOT AVAILABLE IN CALIFORNIA)
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you can get up to 50% of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
AETNA Preferred / Standard Final Expense Whole Life (LEVEL), AMERICAN HOME LIFE (LEVEL)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a whole life policy. This policy will never go up in price or expire as long as premiums are paid, so it will always be there for your family when they need it. If you pass away of any cause, natural or accidental, your loved one will receive the death benefit, tax free. This will allow your loved ones to grieve properly without the added stress of funeral costs or bills they may need to take on by themselves.
CASH ACCUMULATON
In addition, this type of policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5% - 4.5% interest each year. So, if anything happens to you, your family will get the life insurance money. OR if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you can get up to 50% of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
AMERICO Eagle Select (LEVEL), AFLAC (Preferred / Standard LEVEL)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a whole life policy. This policy will never go up in price or expire as long as premiums are paid, so it will always be there for your family when they need it. If you pass away of any cause, natural or accidental, your loved one will receive the death benefit, tax free. This will allow your loved ones to grieve properly without the added stress of funeral costs or bills they may need to take on by themselves.
CASH ACCUMULATON
In addition, this type of policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5% - 4.5% interest each year. So, if anything happens to you, your family will get the life insurance money. OR if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you can get up to 100% of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
TRANSAMERICA Express / Immediate Solutions (Preferred / Standard LEVEL), AMERICAN AMICABLE Senior / Family Choice Immediate (LEVEL)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a whole life policy. This policy will never go up in price or expire as long as premiums are paid, so it will always be there for your family when they need it. If you pass away of any cause, natural or accidental, your loved one will receive the death benefit, tax free. This will allow your loved ones to grieve properly without the added stress of funeral costs or bills they may need to take on by themselves.
CASH ACCUMULATON
In addition, this type of policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5% - 4.5% interest each year. So, if anything happens to you, your family will get the life insurance money. OR if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, Or if you’re in hospice care for 90 days or more and are expected to remain for the duration of your life, you may receive up to 94% of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
MUTUAL OF OMAHA Living Promise (LEVEL), COREBRIDGE SIWL (LEVEL)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a whole life policy. This policy will never go up in price or expire as long as premiums are paid, so it will always be there for your family when they need it. If you pass away of any cause, natural or accidental, your loved one will receive the death benefit, tax free. This will allow your loved ones to grieve properly without the added stress of funeral costs or bills they may need to take on by themselves.
CASH ACCUMULATON
In addition, this type of policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5% - 4.5% interest each year. So, if anything happens to you, your family will get the life insurance money. OR if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, Or if you’re in hospice care for 90 days or more and are expected to remain for the duration of your life, you may access your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
ROYAL NEIGHBORS Ensured Legacy (LEVEL)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a whole life policy. This policy will never go up in price or expire as long as premiums are paid, so it will always be there for your family when they need it. If you pass away of any cause, natural or accidental, your loved one will receive the death benefit, tax free. This will allow your loved ones to grieve properly without the added stress of funeral costs or bills they may need to take on by themselves.
CASH ACCUMULATON
In addition, this type of policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5% - 4.5% interest each year. So, if anything happens to you, your family will get the life insurance money. OR if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for.
Included in this policy at no additional cost:
TERMINAL / CHRONIC ILLNESS RIDER
Another huge benefit of this policy is that it comes with a Terminal illness, AND Chronic Illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, OR If you require supervision because you’re unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 days such as bathing, eating, walking….you may get up to 80% of your death benefit while you’re still alive. This can help with bills, long term care costs, or get you the medical treatment that your health insurance won’t cover.
LIBERTY BANKERS (LEVEL)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a whole life policy. This policy will never go up in price or expire as long as premiums are paid, so it will always be there for your family when they need it.
If you pass away of natural causes within the first year of your policy’s effective date, your loved one will receive 30% of your coverage amount, tax free.
If you pass away of natural causes within the second year from your policy’s effective date, your loved one will receive 70% of your coverage amount, tax free.
If you pass away due to an accidental death, your loved one will receive the full death benefit amount from day one of the policy’s effective date.
After the second year, your loved one will receive the full death benefit amount regardless of cause of death. This will allow your loved ones to grieve properly without the added stress of funeral costs or bills they may need to take on by themselves.
CASH ACCUMULATON
In addition, this type of policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5% - 4.5% interest each year. So, if anything happens to you, your family will get the life insurance money. OR if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER (NOT AVAILABLE IN CALIFORNIA)
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you can get up to 100% of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
AMERICAN AMICABLE Senior Choice (GRADED)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a whole life policy. This policy will never go up in price or expire as long as premiums are paid, so it will always be there for your family when they need it.
If you pass away of natural causes within the first year of your policy’s effective date, your loved one will receive 30% of your coverage amount, tax free.
If you pass away of natural causes within the second year from your policy’s effective date, your loved one will receive 70% of your coverage amount, tax free.
If you pass away due to an accidental death, your loved one will receive the full death benefit amount from day one of the policy’s effective date.
After the second year, your loved one will receive the full death benefit amount regardless of cause of death. This will allow your loved ones to grieve properly without the added stress of funeral costs or bills they may need to take on by themselves.
CASH ACCUMULATON
In addition, this type of policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5% - 4.5% interest each year. So, if anything happens to you, your family will get the life insurance money. OR if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may access your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
ROYAL NEIGHBORS Ensured Legacy (GRADED)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a whole life policy. This policy will never go up in price or expire as long as premiums are paid, so it will always be there for your family when they need it.
If you pass away of natural causes within the first year of your policy’s effective date, your loved one will receive 105% of the premiums you've paid up to that point, tax free.
If you pass away of natural causes within the second year from your policy’s effective date, your loved one will receive 50% of your coverage amount, tax free.
If you pass away due to an accidental death, your loved one will receive the full death benefit amount from day one of the policy’s effective date.
After the second year, your loved one will receive the full death benefit amount regardless of cause of death. This will allow your loved ones to grieve properly without the added stress of funeral costs or bills they may need to take on by themselves.
CASH ACCUMULATON
In addition, this type of policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5% - 4.5% interest each year. So, if anything happens to you, your family will get the life insurance money. OR if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for.
Included in this policy at no additional cost:
FUNERAL CONCIERGE SERVICE
Another huge benefit of this policy is that it comes with a funeral concierge service provided by Sequoia where you'll have step-by-step 24/7 guidance throughout the funeral process, access to the largest funeral network for discounted pricing, and state-to-state, country-to-country funeral transfer support. You'll also be able to add up to 10 family members to this service as well.
GUARANTEED TRUST LIFE (GRADED)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a whole life policy. This policy will never go up in price or expire as long as premiums are paid, so it will always be there for your family when they need it.
If you pass away of natural causes within the first three years of your policy effective date, your loved one will receive 110% of the payments that you have made into the policy up to that point.
If you pass away due to an accidental death, your loved one will receive the full death benefit amount from day one of the policy’s effective date.
After the third year, your loved one will receive the full death benefit amount regardless of cause of death. This will allow your loved ones to grieve properly without the added stress of funeral costs or bills they may need to take on by themselves.
CASH ACCUMULATON
In addition, this type of policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5% - 4.5% interest each year. So, if anything happens to you, your family will get the life insurance money. OR if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may receive up to 100% of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
AMERICAN AMICABLE Family / Senior Choice ROP Ages 0-64 (GRADED)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a whole life policy. This policy will never go up in price or expire as long as premiums are paid, so it will always be there for your family when they need it.
If you pass away of natural causes within the first two years of your policy effective date, your loved one will receive 110% of the payments that you have made into the policy up to that point.
If you pass away due to an accidental death, your loved one will receive the full death benefit amount from day one of the policy’s effective date.
After the second year, your loved one will receive the full death benefit amount regardless of cause of death. This will allow your loved ones to grieve properly without the added stress of funeral costs or bills they may need to take on by themselves.
CASH ACCUMULATON
In addition, this type of policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5% - 4.5% interest each year. So, if anything happens to you, your family will get the life insurance money. OR if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may receive up to 100% of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
AMERICAN AMICABLE Family / Senior Choice ROP Ages 65-85 (GRADED)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for an Indexed Universal Life Policy. This policy never expires as long as premiums are paid, so it will always be there for your family when they need it. If you were to pass away of any cause, natural or accidental, your beneficiary will receive the coverage amount that you select, tax free.
CASH ACCUMULATON
In addition to the death benefit, this policy comes with a cash accumulation of up to 9.25% depending on the performance of the index for the year. You can use this money in the future, depending on the accumulation at the time in the form of tax-free loans for whatever you may need it for.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may receive up to 100% of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
CHRONIC ILLNESS RIDER
If you are unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 consecutive days, as certified by your physician or require substantial supervision to protect yourself from threats to health and safety due to severe cognitive impairment, you may receive up to 80% of your death benefit while you are still alive. Activities of daily living include bathing, eating, walking etc...
CRITICAL ILLNESS RIDER
This rider allows you to access up to 80% of your death benefit while you are still alive, if you have been certified by a physician as having one or more of the following conditions within the last 12 months: ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, and stroke. (Not available in California)
MUTUAL OF OMAHA Indexed Universal Life Express
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for an Indexed Universal Life Policy. This policy never expires as long as premiums are paid, so it will always be there for your family when they need it. If you were to pass away of any cause, natural or accidental, your beneficiary will receive the coverage amount that you select, tax free.
CASH ACCUMULATON
In addition to the death benefit, this policy comes with a cash accumulation of up to 15% depending on the performance of the index for the year. You can use this money in the future, depending on the accumulation at the time in the form of tax-free loans for whatever you may need it for.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may access a portion of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
CHRONIC ILLNESS RIDER
If you are unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 consecutive days, as certified by your physician or require substantial supervision to protect yourself from threats to health and safety due to severe cognitive impairment, you may access a portion of your death benefit while you are still alive. Activities of daily living include bathing, eating, walking, getting dressed etc... (Not available in California)
CRITICAL ILLNESS RIDER
This rider allows you to access a portion of your death benefit while you are still alive, if you have been certified by a physician as having one or more of the following conditions within the last 12 months: ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, and stroke. (Not available in California)
AMERICO Indexed Universal Life
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for an Indexed Universal Life Policy. This policy never expires as long as premiums are paid, so it will always be there for your family when they need it. If you were to pass away of any cause, natural or accidental, your beneficiary will receive the coverage amount that you select, tax free.
CASH ACCUMULATON
In addition to the death benefit, this policy comes with a cash accumulation component that grows depending on the performance of the index for the year. You can use this money in the future, depending on the accumulation at the time in the form of tax-free loans for whatever you may need it for.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have 24 months or less to live, you may access a portion of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
CHRONIC ILLNESS RIDER
If you are unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 consecutive days, as certified by your physician or require substantial supervision to protect yourself from threats to health and safety due to severe cognitive impairment, you may access a portion of your death benefit while you are still alive. Activities of daily living include bathing, eating, walking, getting dressed etc...
CRITICAL ILLNESS / INJURY & ALZHEIMER'S DISEASE RIDER
This rider allows you to access a portion of your death benefit while you are still alive, if you have been certified by a physician as having one or more of the following conditions within the last 12 months: ALS (Lou Gehrig’s disease), Aorta Graft Surgery, Aplastic Anemia, Blindness, Cancer (Invasive Cancer in CA), Cystic Fibrosis, End Stage Renal Failure, Heart Attack, Heart Valve Replacement, Major Organ Transplant, Motor Neuron Disease, Stroke, Sudden Cardiac Arrest, Coma, Paralysis, Severe burns, or Traumatic brain injury, Alzheimer’s Disease, Lewy Body Dementia.
NATIONAL LIFE GROUP Indexed Universal Life (Flexlife)
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for term life coverage. If you were to pass away of any cause, natural or accidental within the contract term, your loved one will receive the coverage amount that you select, tax free.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may access up to 100% of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
CHRONIC ILLNESS RIDER
If you are unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 consecutive days, as certified by your physician or require substantial supervision to protect yourself from threats to health and safety due to severe cognitive impairment, you may access a portion of your death benefit while you are still alive. Activities of daily living include bathing, eating, walking, getting dressed etc... (Not available in California)
CRITICAL ILLNESS RIDER
This rider allows you to access a portion of your death benefit while you are still alive, if you have been certified by a physician as having one or more of the following conditions within the last 12 months: ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, and stroke. (Not available in California)
AMERICO Term 100
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for term life coverage. If you were to pass away of any cause, natural or accidental within the contract term, your loved one will receive the coverage amount that you select, tax free.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have 24 months or less to live, you may access a portion of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
CHRONIC ILLNESS RIDER
If you are unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 consecutive days, as certified by your physician or require substantial supervision to protect yourself from threats to health and safety due to severe cognitive impairment, you may access a portion of your death benefit while you are still alive. Activities of daily living include bathing, eating, walking, getting dressed etc...
CRITICAL ILLNESS / INJURY & ALZHEIMER'S DISEASE RIDER
This rider allows you to access a portion of your death benefit while you are still alive, if you have been certified by a physician as having one or more of the following conditions within the last 12 months: ALS (Lou Gehrig’s disease), Aorta Graft Surgery, Aplastic Anemia, Blindness, Cancer (Invasive Cancer in CA), Cystic Fibrosis, End Stage Renal Failure, Heart Attack, Heart Valve Replacement, Major Organ Transplant, Motor Neuron Disease, Stroke, Sudden Cardiac Arrest, Coma, Paralysis, Severe burns, or Traumatic brain injury, Alzheimer’s Disease, Lewy Body Dementia.
NATIONAL LIFE GROUP Term
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for term life coverage. If you were to pass away of any cause, natural or accidental within the contract term, your loved one will receive the coverage amount that you select, tax free.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may access up to 80% of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
CHRONIC ILLNESS RIDER
If you are unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 consecutive days, as certified by your physician or require substantial supervision to protect yourself from threats to health and safety due to severe cognitive impairment, you may access up to 80% of your death benefit while you are still alive. Activities of daily living include bathing, eating, walking, getting dressed etc...
CRITICAL ILLNESS RIDER
This rider allows you to access up to 80% of your death benefit while you are still alive, if you have been certified by a physician as having one or more of the following conditions within the last 12 months: ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, and stroke.
MUTUAL OF OMAHA Term Life Express
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a term cash back option. If you were to pass away of any cause, natural or accidental within the term, your loved one will receive the coverage amount that you select, tax free. If you outlive your term period, you will receive a 50% tax-free refund of all the premiums you paid into the policy upon expiration.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may access up to 100% of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
CHRONIC ILLNESS RIDER
If you are unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 consecutive days, as certified by your physician or require substantial supervision to protect yourself from threats to health and safety due to severe cognitive impairment, you may access a portion of your death benefit while you are still alive. Activities of daily living include bathing, eating, walking, getting dressed etc... (Not available in California)
CRITICAL ILLNESS RIDER
This rider allows you to access a portion of your death benefit while you are still alive, if you have been certified by a physician as having one or more of the following conditions within the last 12 months: ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, and stroke. (Not available in California)
AMERICO CBO 50
Your Policy at a glance
Affordable, Comfortable, Reliable Coverage
HOW IT WORKS
According to your answers on the medical intake, you may qualify for a term cash back option. If you were to pass away of any cause, natural or accidental within the term, your loved one will receive the coverage amount that you select, tax free. If you outlive your term period, you will receive a 100% tax-free refund of all the premiums you paid into the policy upon expiration.
Included in this policy at no additional cost:
TERMINAL ILLNESS RIDER
Another huge benefit of this type of policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may access up to 100% of your death benefit while you’re still alive. This can help with bills, long-term care costs or get you the medical treatment that your health insurance won’t cover.
CHRONIC ILLNESS RIDER
If you are unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 consecutive days, as certified by your physician or require substantial supervision to protect yourself from threats to health and safety due to severe cognitive impairment, you may access a portion of your death benefit while you are still alive. Activities of daily living include bathing, eating, walking, getting dressed etc... (Not available in California)
CRITICAL ILLNESS RIDER
This rider allows you to access a portion of your death benefit while you are still alive, if you have been certified by a physician as having one or more of the following conditions within the last 12 months: ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, and stroke. (Not available in California)
AMERICO CBO 100, KANSAS CITY LIFE Signature Series Term ROP