Permanent Life Insurance Products

Protector Whole Life - Life Insurance to age 100

This policy is available in very low face amounts, $1,000 to $15,000, not typically offered through traditional permanent life policies. It allows you as a policyholder to provide for the final expenses at the time of death without purchasing more insurance than you need. This plan offers the security of a guaranteed premium rate, cash value, and death benefit.

Pro-Plus

This policy is structured to remain in force until age 100.
It offers the security of a guaranteed premium rate, cash value, and death benefit.
In addition several riders are available including low cost term insurance riders and paid up insurance riders.

Concept2/3 - Universal Life to age 95/100

This Universal Life policy is structured to remain in force until age 95 (Concept 2) or age 100 (Concept 3). The policy allows you as a policyholder to make premium deposits not to exceed a federal premium guideline and not to be less than a minimum premium in order to keep the policy in force. If you choose to deposit more than the minimum, those deposits, less any expenses prescribed by the policy contract, will earn the current rate of interest not below the guarantee of 4%, which may allow you to skip some premiums in the future as the need may arise.

Concept 2/3 allows the flexibility of selecting the death benefit type -- level death benefit (Option A) or an increasing death benefit (Option B). With a level death benefit, the face amount of the policy decreases as the accumulation value increases. The death benefit is the combination of both the face amount and the accumulation value.