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» Children’s Term Life
SM is a line of affordable life insurance products that are available by just answering a few simple application questions. Plan choices include 10, 15, and 20 year guaranteed level premium term life with a combined coverage limit of $300,000 per insured. In most cases, there are No medical exams and no lab tests necessary.
Each has 4 fixed premium life insurance plans to choose from - straight pay, 10 pay, 20 pay and life paid up at 65, with tax-deferred cash accumulation and life-time coverage.
» acceptance is guaranteed without answering health questions or taking exams. This life insurance is available from age 50 through 80 years old with coverage choices of $5,000, $10,000, or $15,000. There is full coverage from the first year for accidental death and a limited coverage amount in the first two years for non-accidental death.
SM SPWL provides a simple and effective method for tax-free estate transfers. A one-time premium buys a guaranteed death benefit that is significantly higher than the single payment. In addition, a simple application process and a deposit as little as $5,000 makes it very easy and efficient to maximize the amount of money transferred to the next generation.
SM single and flexible premium annuity products offer competitive, guaranteed fixed interest rates and tax-deferred cash accumulation. There are no front-end loads or annual fees to erode account balances and a low minimum investment is all it takes to get started. Access to funds is always available, as well as a choice of multiple income payment options.