Issue Ages: 50-85

Face Amount Options: $2,500-$35,000

Post Date Options: Up To 35 Days

Immediate 50 - 75 = $35,000

Immediate 76 - 85 = $20,000

Graded/ROP 50 - 85= $20,000

2 Year Waiting Period: No (depending on underwriting approval

Riders: Nursing Home Waiver of Premium

Accidental Death

Children’s Insurance

Grandchildren’s Insurance

No Cost

Terminal Illness

Confined Care

1) Level Benefit Plan

No waiting period. The level benefit carries the lowest premium available.

2) Graded Benefit Plan

Simplified issue whole life policy which pays:

30% of selected face amount the 1st year

70% paid the 2nd year

100% paid the 3rd and subsequent years.

Please note that the graded plan will payout 100% of the face amount during the first two years if the insured passes away from an accident.

3) Modified Benefit Plan

The highest risk plan offered, also the most expensive one of the three.

Simplified issue whole life policy which pays return of premium plus 10% interest for 3 years if under age 65, 2 years if age 65 or older. 100% paid after graded period.

Please note that the graded plan will payout 100% of the face amount during the first two years if the insured passes away from an accident.