Term Life Insurance Products


Legacy Value Level Term

This very competitive term life insurance policy is available in a 10, 15 and 20 year plan. This policy can be converted to permanent life insurance at any time prior to age 70. One additional term period is allowed if your age is still within our issue age limits and you are insurable under our underwriting guidelines at the end of the initial term period.
(Legacy Value Level Term is available in all licensed states except Texas.)

Mortgage Plan - Decreasing Term Insurance


We offer a decreasing term policy to coincide with your mortgage. The face amount of the policy this policy is flexible enough to meet your specific needs by allowing a 15, 20, 25, or 30 year plans. In addition it is available in a joint life version so that in the event of either you or your spouses' untimely death, the mortgage is taken care of.
(Mortgage Plan - Decreasing Term Insurance is available in all licensed states.)

TUL-20 -Universal Life - 20 Year Term


This Universal Life policy is structured to cover 20 years of need. It is flexible enough to be structured to cover a longer period if needed, but it is guaranteed to remain in force for only 20* years provided the minimum annual premium is paid even if the cash value is insufficient to cover the monthly deductions. This guarantee period does not apply if policy loans or cash withdrawals are made during the guarantee period.
(*Texas 9 years, California 10 years, all other licensed states 20 years)