Life Insurance

Provides permanent type Level Coverage to age 99 at low quasi-level premiums without generating cash values. Based on the Age at issue, Current Premiums increase by only 4% every 4 years to and including the next renewal at or after age 80.   The premium will then increase by 1% every year thereafter to age 99. 

Advantages: 

• Level Lifetime Coverage to age 99
• Low Cost Indeterminate Premiums start at less than half of a guaranteed premium WL
• Guaranteed Maximum Premiums
• No Cash Values or non-Forfeiture Value
• Allows for "investing the difference"
• No need to convert
• Ideal companion to a Deferred Annuity
• Can accommodate riders (Child)

Issue Ages:  18 - 65, male/female, smoker, non-smoker 

Issue Limits:

Minimum:           $100,000
Maximum:       $4,000,000

Premiums are level for the first 30 years.  Annually renewable term (ART) rates apply if the policy is continued into year 31 and beyond.  Current premiums are guaranteed for the first 30 years.   The policy is nonparticipating and does not pay dividends. 
Death Benefit: 

• Level Death Benefits
• Minimum    -     $100,000
• Maximum   -     subject to underwriting approval

Issue Ages:   18 - 50, base on age as of nearest birthday