Whole Life Insurance provides protection for as long as you live and builds cash values on a tax-deferred basis. Whole Life Insurance is our oldest and most popular type of life insurance. It provides protection for you for as long as you live if your premiums are paid. This type of insurance also allows you to build cash values on a tax-deferred basis. Whole life insurance rates.
There are several advantages to choosing Whole Life. It is less expensive over the life of a certificate. Protection is guaranteed for life (as long as premiums are paid). Premium costs are fixed. It allows cash accumulation that can be used for emergencies to pay for college, supplement your retirement or purchase paid-up insurance. It allows tax-deferred accumulation, as well as tax-free income distribution to your beneficiary. Coverage can continue by using various options even if you discontinue paying premiums.
Offers an attractive limited pay feature and solid protection for a lifetime, while cash value benefits grow.
Short-term options for a lifetime of coverage. 20-Pay Life is one of our most popular life insurance plans- and it’s easy to see why. This straightforward coverage combines the benefits of traditional permanent insurance with a payment plan that is designed to end in 20 years. Individuals 14 days old through age 65 may apply for 20-Pay Life coverage. Coverage is available in amounts as little as $25,000 to as much as $5 million. This plan is ideal for individuals, parents, or grandparents.
For individuals, 20 Pay Life’s affordability and limited payments make this plan attractive. Unlike most insurance plans where your payments can last your lifetime, 20-Pay Life payments are designed to end in 20 years. Much like a home mortgage, 20-Pay Life enables you to pay off your life insurance coverage in a specified time. This means you can be insurance premium-free by the time your children enter college or by the time you retire and still have the protection you need.
For parents or grandparents, 20-Pay Life is an ideal way to protect your child or grandchild. Since life insurance is less expensive at younger ages, 20-Pay Life lets you provide security for a child economically while building valuable cash value. In fact, a plan purchased during the first two years of a child’s life could result in a paid-up plan by the time they graduate from college. What a great gift!
Life insurance is a great way to protect your loved ones against the financial uncertainties that death can bring. You cannot be replaced, but your income can. 20-Pay Life allows you to buy solid life insurance protection at an affordable price. Additionally, the cash value you build can help with college costs, a first home loan or for an emergency.
Affordable permanent life insurance protection
Valuable cash value build up
Contact your local Agent and find out if 20-Pay Life is right for you!
Short term insurance
This plan provides traditional life insurance coverage with a short-term payment plan and a built-in inflation guard.
20-Pay Life Plus combines the benefits of permanent insurance with a payment plan that will end in 20 years. More importantly, certificate-enhancing dividends can help the death benefit grow in value and offset inflation without any additional cost to you.*
Individuals 14 days old through age 65 may apply for 20-Pay Life Plus coverage. Coverage is available in amounts as little as $25,000 to as much as $5 million. This plan is ideal for individuals, parents, or grandparents.
20-Pay Life Plus’ affordability and limited payments make this plan attractive. Unlike most insurance plans where your payments can last your lifetime, 20-Pay Life Plus payments will end in 20 years. Much like a home mortgage, 20-Pay Life Plus enables you to pay-off your life insurance coverage in a specified time. This means you can be insurance premium debt-free by the time your children enter college or by the time you retire and still have the protection you need.
Base coverage paid up in 20 years
Affordable permanent life insurance protection
Valuable cash value build up
Contact your local Agent and find out if 20-Pay Life Plus is right for you!
This life insurance plan combines life insurance protection with accelerated benefits that can be used to help pay for a nursing home or home heath care.
How to get a life insurance policy
Who’s eligible? Individuals 40 to 79* years of age may apply.
How does SPWLPlus work? Your doctor must certify that you require long-term care services and a 90-day elimination period must occur before the rider can take effect. The rider, which is automatically included in the SPWLPlus plan, offers two levels of benefits. If you are in an eligible facility such as a nursing home or assisted living facility or memory loss care center, you may access 3% of the face amount of your certificate for 30 months. If you are receiving care at home, you may access 1.5% of the face amount of your certificate for 60 months. If you don’t use the accelerated benefit, SPWLPlus performs the same as any other life insurance plan.
Contact your local Agent to find out if Single Premium Whole Life Plus is right for you!
If you are like most people, you are a procrastinator when it comes to planning ahead. However, with the average cost of a funeral now exceeding $7,000 (according to the Federal Trade Commission) and the Social Security Death Benefit currently at just $255, your family could face an unexpected financial burden if you fail to plan.
Our Final Expense Life Insurance is permanent life insurance that offers a simple, yet affordable way to plan ahead and meet your financial obligations.
Designed for individuals 40 to 80, Final Expense coverage is available from as little as $5,000 to as much as $25,000 death benefit. Your health determines your coverage. While this plan requires no exams, it is not a guaranteed issue plan. Applicants are subject to modified underwriting.
No medical exam required
Flexible payment options
Cannot be canceled except for non-payment
Hartford life insurance
Coverage available from as little as $5,000 to as much as $25,000 death benefit
Accumulate cash value that grows tax-free
Beneficiary of your choice
Contact your local Agent to find out if our Final Expense coverage is right for you!
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