Select Whole life

Plan provides permanent life insurance at a guaranteed level premium. Plans also offer guaranteed cash value, paid-up insurance values, in addition to dividends which can accumulate at interest or purchase paid-up insurance.

Riders Available:
25-Year Level Term Insurance
10 year Level Term
Other Insured Rider
Guaranteed Purchase Option
Children's Benefit Rider
Waiver of Premium

Yearly Renewable Term/10 Year Level Term/20 Year Renewable

Plans provide low-cost term protection to cover debts such as: mortgage, installment loans, credit cards, college education cost, monthly family income and final expenses. These plans can be converted to a permanent life insurance plan during the conversion period.

Riders Available:
Guaranteed Purchase Option
Children's Benefit
Waiver of Premium

One Pay Life

Plan provides permanent life insurance coverage with one single premium. Plan offers guaranteed cash values and dividends. Dividends will increase the total amount payable at death to help keep up with inflation.
NO RIDERS AVAILABLE

Flexible Premium Annuities

Plans provide an excellent way for you to save money over the years for future retirement needs or emergencies. Interest accumulates tax-deferred, and will provide a guaranteed life income at retirement. Currently our tax-qualified IRA’s and Roth IRA’s as well as our Non-qualified plans are paying interest rates of 4.50% on accounts with balances from $1.00 to $25,000.00. and 4.75% on accounts with balances of $25,001.00 or more.

Accident and Sickness Disability

Plan provides an income for disabilities caused by injury or sickness, on or off duty, and additional income for hospitalization during the first 30 days. Several benefit options are available to meet your financial needs. One popular feature of the Accident and Sickness Policy will return all premiums if you go claim-free for ten years or attain age 55, whichever comes first.
NO RIDERS AVAILABLE

Accident Only

Coverage is provided to help pay for treatment of accidental injuries suffered on- or off-duty, and includes accidental death, dismemberment, and hospital confinement.

Riders Available
Non-Fatal Gunshot Wound
Non-Fatal Burn Rider
Spouse Rider
Increased Disability Income Rider—Not available in some states.

Membership Policy

Plan provides benefits for accidental death for Police Officer or Firefighter on or off-duty. Family Coverage is also available. Coverage depends on policy purchased and age of member.

Riders Available
Dependent Rider
Increased Death Benefit

Optional Benefits

Waiver of Premium

This benefit provides waiver of premium on the insured to age 55, after a six-month waiting period of continued disability.

Guaranteed Purchase Options

This benefit provides the option to increase coverage on your life insurance policy. Option dates are the anniversary date following ages 25, 28, 31, 34, 37, and 40. Alternative option dates are within 60 days following marriage or birth of child. No evidence of insurability or occupation is required.

Children's Benefit

This benefit provides $1,000.00 of level term insurance on the life of each child between the age of 15 days and 23 years. Each Child may convert to a permanent plan of insurance which will be five times the amount of coverage without evidence of insurability at age 23.

25-Year Level Term Rider

Issue age 20-40 years of age. The minimum issue is $50,000.00 and must be attached to a minimum $25,000.00 Select Whole Life policy (can be issued on a 10 to 1 basis with permanent plans). Rider cannot be renewed, but rider can be converted to a Select Whole Life policy prior to expiration of the rider.

Other Insured Rider

Issue ages are 20-40 years of age. The minimum issue is $25,000.00 and must be attached to a minimum $25,000.00 Select Whole Life policy that has a 25-Year Level Term Rider. Other Insured Rider expires when 25-Year Level Term Rider on primary insured expires. Rider may be converted at anytime within the 25 year period, or immediately prior to expiration date. Upon death of primary insured, this rider can be converted to a whole life policy within 60 days following date of death without evidence of insurability.

Some of the above products are not available in some states due to particular state guidelines. Please call the agent closest to your location or any Regional person to find out what is available