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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.
Universal Life Insurance
Universal Life InsurancePermanent life insurance with an adjustable death benefit and flexible premium payments. Premiums pay the cost of insurance protection and create cash value. Tax deferred interest adds to cash value. Withdrawals and loans are available.
- Designer Plus (Policy form LP807): When the death benefit needed
is less than $100,000. Ages 0-80. Permanent life insurance at a lower
cost. Good plan for children, seniors and others where cost is
important. Effective for final expense planning. Pipe, cigar, and
tobacco chewers qualify for nonsmoker rates on this product.
Ultimate Designer (Policy form LP820): When the death benefit needed is $100,000 or greater. Ages 15-75. Good plan for those who also want strong cash value accumulation. Works well for exchanges, family coverage, retirement planning and for business owners and executives. Preferred rates available.
Millennium Flex (Policy form LP2000): Minimum death benefit is $50,000. Ages 0-85. 15 or 30-year death benefit guarantee. Guarantees coverage will not lapse during the 15 or 30-year period, if minimum premiums are paid. Good plan for estate planning, emergency funds, college funding, business insurance and retirement funding. Three preferred rate classes available.
Secure Advantage (Policy form LP7122): Minimum death benefit is $10,000. Maximum death benefit is $25,000 - $100,000 and varies by age. Ages 0-85. Reasonable premiums and simplified underwriting make it a good plan for retirees, seniors and final expense needs.
Lifetime Promises (Policy form LP8852): Minimum death benefit is $50,000. Ages 0-80. Solid value for middle class family market. Good plan for baby boomers, retirement funding, college funding, and estate planning. Death benefit is accelerated by rider if insured is unable to perform three activities of daily living. The rider must be in force for at least 10 years before benefits are payable. Three preferred rate classes available.