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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.
Whole Life Insurance
Permanent life insurance that provides a guaranteed death benefit and guaranteed premium payments. Premiums pay the cost of insurance protection and create cash value. Tax deferred interest adds to cash value. Loans are available.- IWL Innovator [Policy Form LP300 (10-05)]: Whole
life insurance with a non-guaranteed increasing death benefit until
declared. However, once declared by the Company, the increased death
benefit is guaranteed. Three plan options: Plan 1- Single Premium
Simplified Issue, Plan 2- Level Premium Simplified Issue, and Plan 3-
Level Premium Fully Underwritten. Issue ages for Plans 1 and 2 are
15-85. Minimum death benefit on Plans 1 and 2 is $2,000. Plan 3 issue
ages are 0-85. Minimum death benefit for Plan 3 is $100,000. Several
premium payment options (depending on the plan option selected)
including single premium, 5-pay, 10-pay, 20-pay and continuous to age
121. Good policy for family protection, to transfer wealth from one
generation to the next and final expense planning. The Young American
provides coverage for ages 0-14, simplified issue with single, 5-pay,
10-pay, 20-pay and continuous to age 121. Young American face amounts
from $2,000 - $35,000.
Increasing Whole Life (Policy form LP160): Whole life insurance with a non-guaranteed increasing death benefit. Minimum death benefit is $2,000. Ages 0-85. Simplified underwriting. Premium payment options of continuous, ten pay, seven pay, five pay or single pay with minimum underwriting inconvenience. Good plan for final expense planning and to transfer wealth from one generation to the next. Young American Increasing Whole Life provides coverage for ages 0-14.
VIP Plus Whole Life (Policy form LP8162): Whole life insurance with strong guaranteed cash values. Minimum death benefit is $5,000. Ages 0-80. Non-guaranteed policy dividends may be applied to five different options. Level guaranteed premium payments. Good plan for building cash values and tax advantaged retirement planning.