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Benefits of Instant Issue
Life Insurance
- Convenient, fast, and easy- No lengthy application procedures or medical testing required.
- Premiuns can be paid through automatic check deduction or by credit card.
- Death benefits paid tax free to your loved ones in the event of death.
Term Life Insurance
Temporary life insurance for a specified period of time. If the insured
dies within the term period, a death benefit is paid to the named
beneficiary. Protection ends if the insured is still living at the end
of the term period, unless the policy is renewed. No cash value
accumulation. Pure life insurance protection at the lowest cost.
EMCNL Term (10, 15, 20 or 30 Year) (policy form ELP240): Minimum death benefit is $50,000. Guaranteed premiums for selected coverage period of 10, 15, 20 or 30 years. EMCNL Term issue ages 18-80. Low cost insurance coverage where price is a factor. Ideal life insurance product for mortgage protection, short-term debt, and business/farm insurance. EMCNL Term policies can be converted prior to the earlier of the end of the first term period or attainment of age 75. Preferred rates are available.
Instant Issue Term A term life insurance policy applied for and issued instantly, while you are in your agent's office. 10, 15, 20 and 30 year term periods available in death benefit amounts from $25,000 to $250,000. Convenient, fast and easy; great for individuals in excellent health. Quick coverage option for new auto/homeowners and people looking for “one stop shopping.” Premiums and death benefit amounts are guaranteed. Credit card payment is accepted. Available exclusively online.
Youth Plus (Policy form LP816): Death benefit is $5,000, $7,500
or $10,000. Ages 0-24. Future insurability guaranteed up to $150,000.
Good gift plan for grandparents and parents. Convertible at age 25 up
to $25,000. Single premium or payable over two years.