Affordable Health Insurance Inc. Whole Life Plus 847-437-1113 www.changeyourhealthinsurance.com AR IL IN OH TX WI 40 Monthly, Quarterly, Semi-Annual, Annual 2011 upon Critical Illness American Continental Insurance Co. ACI Final Expense (whole life) 800-445-4254 www.cont-life.com All States Except AL HI DC WA OR CA ID UT NY NJ MD DE RI CT MA VT NH ME45-89 lifetime n/a Minimum $3,000 up to $35,000 3 benefit levels Americo Ultra Protector Series 800-231-0801 x8410 www.americo.com All States Except AL MS NY VT WA 5 n-participating Level or graded depending on health of the insured Simplified and Guaranteed Issue. Three whole life policies available on one application to fit the needs of the insured. Ameritas Keystone Foundation Whole Life 800-319-6903 www.ameritas.com All States Except WI ; varies by class Paid up at age 98 2011 Face Amount Endowment at age 121 1
Ameritas Keystone Whole Life 800-319-6903 www.ameritas.com All States Except WI ; varies by class Paid up at age 98 2011 Face Amount Endowment at age 121 Assurity Life Insurance Co. LifeScape Simplified Whole Life 800-276-7619 www.assurity.com with some variations depending on level/plan with Annual, Semi-annual, Quarterly and Monthly modes N/A Minimum $5,000 or $10,000, depending on level/plan Maximum $25,000, $35,000 or $50,000, depending on level/plan Assurity Life Insurance Co. LifeScape Whole Life 800-276-7619 www.assurity.com using Annual; Semi-Annual; Quarterly; Monthly (automatic bank withdrawal or credit card) modes 2011, on policy anniversary date Face amount; Premium Band 1: $10,000-$99,000; Band 2: $100,000- $249,999; Band 3: $250,000+ Accelerated Death Benefit at no additional cost Assurity Life Insurance Co. Single Premium Whole Life 800-276-7619 www.assurity.com single premium Contact Assurity for details Face amount of policy Accelerated Benefits Rider at no additional cost 2
Catholic Financial Life Whole Life 414-278-6523 www.catholicfinanciallife.org AZ AR CT IL IN IA LA ME MD MA MI MN MO NE NH NM ND OH PA RI SD TX VT WV WI We offer a 20 pay life, Single Pay and lifetime pay product 05/01/2009 level Living Benefit Rider - Face amount accessible up to contract limits for nursing home, terminal illness or life-saving organ transplant. Constitution Life Insurance Co. Senior Tribute Whole Life Insurance 800-538-1053 www.universalamericaninsuranceplans.com/ All States Except AK CT HI ME NH NJ NY VT WA WY 45-85 N/A Level Death Benefit (Immediate, Full Death Benefit) and Graded Death Benefit (Modified Death Benefit). When the death benefit is paid to a named beneficiary, it is Federal Income Tax-Free. Benefits may vary by state. Premiums are guaranteed never to increase and coverage is guaranteed never to decrease. Cash values are accumulated on a tax-deferred basis. medical examination is required, but prospect must answer a few simple medical questions to determine the coverage for which they may qualify. EMC National Life IWL Innovator 800-232-5818 www.emcnationallife.com All States Except DE MA NJ NY VT WA Single, 5,10,20, Cont. Pay This is a non par policy Minimum is $2,000 Simplified Issue: Standard to Table 6, and fully underwritten available 3
4 Equitable Life & Casualty EquiLife Legacy 1 800-352-5170 www.equilife.com AK CA DC FL HI MA MN NJ NY WA 18-85 one time, 10 years, lifetime N/A. This is a whole life non-participating policy. Face amount of $2,000-$100,000. The full death benefit selected is payable whenever death occurs, from the very first day of coverage. Optional accidental death benefit- pays double the face amount selected if death is the result of an accident. The benefit is tripled if death is the result of an accident while riding on a common carrier or as a result of a terrorist act. Optional Nursing Home waiver of premiumwhen confined to a Nursing Home, no premium payments are required. Premiums never increase, and benefits never decrease. Endowment benefits-paid when you reach age 100 and are still living. Living Benefits available if a Terminal Illness Strikes. Special 48 hour claim service. Benefits generally pass to you beneficiary free of taxes. Equitable Life & Casualty EquiLife Legacy 2 800-352-5170 www.equilife.com AK CA DC FL HI MA MN NJ NY WA 18-85 lifetime (annual, semi-annual, quarterly, monthly) N/A This is a non-participating whole life policy. Face amounts of $2,000-$100,000. During the first 12 months, the benefit is 30% of the chosen benefit; from the 13th through the 24th month, the benefit is 70%; beginning with the 25th month, the full benefit is payable. If death is the result of an accident, the full benefit is payable from the first day of coverage. Benefits never decrease, premiums never increase, Living benefits available if a terminal illness strikes. Benefits generally pass to your beneficiary free of taxes. Specials 48 hour claim service. Endowment Benefits-paid when you reach age 100 and are still living. Equitable Life & Casualty EquiLife Legacy 3 800-352-5170 www.equilife.com AK CA DC FL HI MA MN NJ NY NC WA 18-85 lifetime (annual, semi-annual, quarterly, monthly) N/A - this is a non-participating whole life policy. Face amounts of $2,000-$100,000. If death occurs during the first 24 months, your entire premium, plus 10% interest, will be paid to your beneficiary. After 24 months, the full benefit is payable. If your death is the result of an accident, the full benefit is payable from the first day of your coverage.
Benefits never decrease, premiums never increase. Living benefits available if a terminal illness strikes. Benefits generally pass to your beneficiary free of taxes. Special 48 hour claim service. Endowment Benefits- paid when you reach age 100 and are still living. Forethought Life Insurance Co. Forethought Freedom 888-606-6372 www.forethought.com WA 5 N/A $2,500-$25,000 Grandchildren s Benefit, Accelerated Death Benefit and Accidental Death Benefit are included at no extra charge. GPM Life 20 Pay Life 800-938-4765 www.gpmlife.com MT NJ NY 0-45 Monthly EFT, Semi-Annual, Annual, Federal Allotment, Military Allotment 2010 face amount plus dividend accumulations or accumulations, less policy loans, if any Riders: Additional term insured, spouse insurance, Children s Insurance, ADB, WP, Guaranteed Insurability. GPM Life Life Paid-Up at 65 800-938-4765 www.gpmlife.com MT NJ NY 0-45 monthly EFT, Semi-Annual, Annual, Federal Allotment, Military Allotment 2010 Face amount plus dividend additions or dividend accumulations, less any loan, if applicable Riders: Annual Paid Up Additions, Single Premium Paid Up Additions, Additional term insured, spouse insurance, Children s Insurance, ADB, WP, Guaranteed Insurability. 5
GPM Life Whole Life 800-938-4765 www.gpmlife.com MT NJ NY 0-75 Monthly EFT, Semi-Annual Annual, Federal Allotment, Military Allotment 2010 Face amount plus dividend additions or dividend accumulations, less any loans, if applicable. Riders: Annual Paid Up Additions, Single Premium Paid Up Additions, Additional term insured, spouse insurance, Children s Insurance, ADB, WP, Guaranteed Insurability. Guardian Life Insurance Co. of America Whole Life 99 800-871-7780 x2 www.glic.com All States Year 2011 Face Amount Plus any additional benefit riders, adds, dividends, premiums paid beyond the policy month of death Minus any outstanding loan, loan interest, premium due up to and including the policy month of death. Guardian s Whole Life 99 is a permanent whole life insurance plan providing insurance coverage during the insured s life, as long as required premiums are paid. The motivation of this product is to maximize long-term performance. Premiums are level and the policy is fully paid up at age 99. Additional riders include: Waiver of Premium, Combined Waiver of Premium, Accidental Death Benefit, Enhanced Guaranteed Purchase Option Rider, Enhanced Accelerated Benefits Rider, Waiver of Specified Amount, 10 Yr. Annually Renewable Term Rider, DuoGuard, Select Security Rider, Simplified Insurability Option Rider, Exchange of Insured s Rider. Illinois Mutual Life Life Foundations Whole Life 800-437-7355 x303 www.illinoismutual.com All States Except AK DC HI MT NJ NY Single Pay, 10 Pay, 20 Pay, To Age 65, Continuous Pay Declare dividends annually at end of year. Last dividends paid: December 2010; Have always paid dividends. $5,000 minimum - level death benefit 6
Dividend Paying Contract; Guaranteed Premium; Guaranteed Cash Value; Guaranteed Coverage to Age 121; Level Term Insurance Rider; Option to Purchase Additional Insurance Rider; Waiver of Premium; Child Insurance Rider; Paid Up Additions Rider, Paid Up Insurance Rider Lafayette Life Insurance Co., The Protector 800-443-8973 www.lafayettelife.com All States Except AK NY 4 One, Five, Ten, and Level N/A $50,000 to age 80, $10,000 ages 81-85 on level premium plans Accelerated death benefit if insured is considered terminal or is confined to a nursing home and not expected to leave. Liberty National Life Insurance Co. Liberty National Whole Life 205-325-2722 www.libnat.com All States Except AK ME MA MN NJ NY VT WA (for coverage from $2,500-$19,999); 0-70 (for coverage at $20,000 and above) lifetime ne. This is a nonparticipating policy. Level benefit of $2,500 or above, as selected by the applicant. Available Riders: OPAI (Option to Purchase Additional Insurance) Rider at no additional cost for unrated insured s at issue ages 0-55; Terminal Illness Accelerated Death Benefit Rider at no additional cost for unrated insured s; ADB (Accidental Death Benefit) Rider; Disability Waiver of Premium Rider; Term Insurance Rider (for primary insured and/or spouse); Children s Term Insurance Rider; Interim Term Rider Lincoln Benefit Life Co. Whole Life II 888-525-7355 www.accessallstate.com 46-90 Monthly Auto-Deduction; Quarterly; Quarterly Auto-Deduction; Semiannually; Semiannually Auto-Deduction; Annually Product available for sales 9/27/2010 minimum = $10,000 ($25,000 in the state of WA); maximum = $50,000 7
Accelerated Death Benefit Rider Permanent Confinement; Accelerated Death Benefit Rider Terminal Illness; Accidental Death Benefit Rider; Children s Level Term Rider; Waiver of Premium Rider Lincoln Heritage Life Insurance Co. Final Expense Insurance 800-433-8181 www.lhlic.com WA 20-Pay, Whole Life n/a $1,000-$100,000 Accidental Death & Dismemberment Marquette National Life Insurance Co. Senior Tribute Whole Life Insurance 800-538-1053 www.universalamericaninsuranceplans.com/ AL AZ AR CA FL ID IN IA KS KY LA MS MO NE ND OH OK OR PA SC SD TN TX UT WV WI WY 45-85 N/A Level Death Benefit (Immediate, Full Death Benefit) and Graded Death Benefit (Modified Death Benefit). When the death benefit is paid to a named beneficiary, it is Federal Income Tax-Free. Benefits may vary by state. Premiums are guaranteed never to increase and coverage is guaranteed never to decrease. Cash values are accumulated on a tax-deferred basis. medical examination is required, but prospect must answer a few simple medical questions to determine the coverage for which they may qualify. MetLife MetLife Promise Whole Life 800-MET-LIFE www.metlife.com All States Except WA Level premiums payable to age 100 Dividends, when declared, are paid annually on the policy anniversary Level Face Amount. Dividend, if declared, can be used to purchase paid-up additional death benefit. 8 Riders including: 1. Disability Waiver; 2. Applicant s Waiver; 3. Accidental Death Benefit; 4. Children s Term Rider; 5. Guaranteed Issue Rider; 6. Paid-Up Additions Rider; 7. Flexible Additional Insurance Rider; 8. Acceleration of Death Benefits Rider 8
Motorists Life Insurance Co. Simplified Issue Whole Life (SIWL) 888-876-6542 www.motoristslife.com FL GA IL IN IA KY MI MN NE OH PA SC TN VA WV WI n/a - nonparticipating $5,000-$25,000 ($3,000 ages 65-80 min.) Add on rider, Accelerated Death Benefit (no additional cost) Motorists Life Insurance Co. Graded Benefit Whole Life (GBWL) 888-876-6542 www.motoristslife.com FL GA IL IN IA KY MI NE OH PA SC TN VA WV WI n/a - nonparticipating $3,000-$15,000 (35% face yr 1, 70% face yr 2, 100% face yr. 3) Add on rider, Accelerated Death Benefit (no additional cost) Motorists Life Insurance Co. n par whole life 888-876-6542 www.motoristslife.com FL GA IL IN IA KY MI MN NE OH PA SC TN VA WV WI Single Pay, 10 or 20 Pay, n/a non participating $5000 minimum...$10,000 minimum for Single Pay ages 0-39 Disability income rider, level and decreasing term riders, child rider,option to purchase, WP Motorists Life Insurance Co. Participating Whole Life 888-876-6542 www.motoristslife.com FL GA IL IN IA KY MI MN NE OH PA SC TN VA WV WI lifetime (flexibility of shortened pay but not guaranteed) at each policy anniversary Ages 0-39, $10,000; Ages 4, $5,000 Disability income rider, level and decreasing term riders, option to purchase, ADB, WP, child rider 9
Motorists Life Insurance Co. Single Premium Whole Life (wealth transfer) 888-876-6542 www.motoristslife.com FL GA IL IN IA KY MI MN NE OH PA SC TN VA WV WI 45-80 Single Pay n/a nonparticipating based on premium $5,000 - $50,000 premium no exam (IBU if needed) Mutual Trust Financial Group Covenant II 800-323-7320 x5308 www.mutualtrust.com 0-75 Annual, semiannual, quarterly, monthly Dividends are paid annually, on the anniversary date of the policy. varies by policy Produces fast-growing, guaranteed cash values with relatively low premiums. Covenant II is paid-up at age 90, matures at 121 and, in most situations, by the third or fourth year the increase in cash value for the year will exceed the premiums paid in that year. Mutual Trust Financial Group Economax 800-323-7320 x5308 www.mutualtrust.com Annual, semi-annual, quarterly, monthly Dividends are paid yearly on the anniversary date of the policy. Varies by policy Economax is a blended insurance policy composed of approximately 30% whole life and 70% term insurance. This combination can make it a useful choice for families and businesses on a limited budget who want the permanent power of whole life coverage and the cost-saving benefits of term insurance. Mutual Trust Financial Group Excalibur 800-323-7320 x5308 www.mutualtrust.com Annual, semiannual, quarterly, monthly 10
Yearly on anniversary of policy varies Excalibur is a highly competitive low, level premium, whole life insurance policy, offering a high guaranteed death benefit to age 121, and guaranteed cash values equal to those required by law. As a result of its configuration, it is extremely effective for leveraging existing assets and maximizing the transfer of personal and business wealth cost-effectively and tax-efficiently. Mutual Trust Financial Group Legacy One 800-323-7320 x5308 www.mutualtrust.com One-time (single premium) Dividends are paid annually, on the anniversary date of the policy. Varies Legacy One, MTL s single premium, participating whole life insurance policy, provides clients with liquidity and control of their money during their lifetimes. At death, the death benefit passes income tax free to heirs. National Guardian Life Insurance Co. (NGL) 800-988-0826 www.nglic.com NGL AssetGuard All States Except Single Pay: 0-99; One Year Pay: (Standard Issue); One Year Pay: 0-99 (Guaranteed Issue); Three Year Pay: 0-90; Five Year Pay: ; Seven Year Pay: ; Ten Year Pay Single Pay, 1, 3, 5, 7 & 10 Year Plans N/A All Single Pay and Standard Issue 1, 3, 5, 7 & 10 Year Pay plans have an immediate full death benefit. Guaranteed Issue 1 Year Pay Plans have a limited death benefit: Year 1 = Return of Premium (ROP) + 3%, Year 2+ = 100%. Guaranteed Issue 3, 5, 7 & 10 Year Pay plans have a limited death benefit: Year 1 = Return of Premium (ROP) + 3% Year 2 = 70% Year 3+ = 100% The NGL Funeral Trusts are offered at no cost, with no trust fees, and can be used in addition to any other trust. NGL Funeral Expense Trust ($500-15,000)*; $15,000 maximum (Premium); May protect funds from Medicaid spend-down. The Trust is policy owner and beneficiary. The Trust will pay funeral costs with any excess funds going to the estate of the Insured. NGL Estate Planning Trust ($500-$50,000)*; $50,000 maximum (Face Amount); Funds excluded from Medicaid spend-down after five years. The Trust is policy owner and beneficiary. The Trust will pay funeral costs with any excess funds going to a named beneficiary or estate of the insured. 11
National Life Group NL LifeBuilder 802-229-3333 www.nationallife.com All States Our unique internal paid-up dividend option allows unlimited premium payment options. 2010 The minimum death benefit is $25,000. Maximum death benefit is subject to reinsurance capacity. Terminal, chronic, and critical illness accelerated benefit riders. Nationwide Nationwide YourLife 20-pay Whole Life 800-321-6064 www.nationwide.com All States 20 years n-participating whole life Minimum Face Amount: $10,000 (Standard ntobacco / Tobacco), $100,000 (Preferred Plus and Preferred ntobacco / Tobacco). $25,000 & $250,000 (in WA) Guaranteed premiums during 20 year duration, with guaranteed cash value accumulation Nationwide Nationwide YourLife Whole Life 100 800-321-6064 www.nationwide.com All States n-participating whole life Minimum Face Amount: $5,000 (Standard ntobacco / Tobacco), $100,000 (Preferred Plus and Preferred ntobacco / Tobacco). $25,000 & $250,000 (in WA) Guaranteed premiums and guaranteed cash value accumulation. Oxford Life Insurance Co. Advance Wealth Transfer / Efficient Wealth Transfer 800-308-2318 www.oxfordlife.com All States Except AL MS MT NY VT WV 5 for AWT; 6 for EWT. 12
Single Premium n-participating. Minimum $20,000. Maximum is determined by age. Accelerated Death Benefits for Terminal Illness, Nursing Home & Chronic Illness. Oxford Life Insurance Co. Assurance 800-308-2318 www.oxfordlife.com All States Except AL MS MT NY VT WV 5 Monthly, Quarterly, Semi-Annual, Annually n-participating $5,000-$30,000 Penn Mutual Life Insurance Flexible Choice Whole Life 800-523-0650 www.pennmutual.com All States Age 100; Age 65 2011 minimum 50,000 ages 0-70; 100,000 ages 71+ Overloan Protection Protective Life Protective Heritage Guard 800-866-3555 www.protective.com All States Except PA 45-85 one-time This is a non-par product. Death benefit is determined by multiplying the amount of the purchase payment by the appropriate factor (based on age, underwriting, and gender). Minimum purchase payment is $5,000, Maximum without Home Office approval is $500,000. Heritage Guard may be sold with LTC rider, subject to state approvals. Quick issue (no medical exam) is available within certain age/amount limits (up to $100,000 premium ages 45-80 and up to $50,000 premium ages 81-85). Return of Premium benefit rider is available. Client may withdraw 10% of the single premium each year with no surrender charges. 13
Royal Neighbors of America Essential Life and Youth Essential Life (Form series 200811) 800-770-4561 x1 www.royalneighbors.org All States Except AL AK HI LA MA NH NY SC VT Essential Life: 20-Pay Life: 18-80 Life Paid-up at 65: 18-60 Level Pay: 18-85 Youth Essential Life: 20-Pay Life: 0-17 Level Pay: 0-17 Essential Life: 20-Pay Life; Life Paid-up at 65; Level Pay; Youth Essential Life: 20-Pay Life Level Pay Royal Neighbors does not expect that any dividends will be declared on this certificate. Provides level, guaranteed death benefits payable upon the death of the insured. Cost-effective premiums for a guaranteed death benefit. Use Essential Life as an affordable alternative for your client s core insurance needs. Disability Waiver of Premium Rider Form series 2081 Accidental Death Rider Form series 2082 Guaranteed Insurability Rider Form series 2083 Accelerated Living Benefit Rider Form series 1766 Sagicor Life Insurance Co. Gold Series Fixed Indexed 7 Pay Whole Life 813-287-1602 www.sagicorlifeusa.com All States Except AR MT OR 15 Days-80 Years 7 Years n-par The Face amount of the policy 7 Level premium payments, Guaranteed Death Benefit and Cash Value, Loans allowed, Three risk classes, Acclerated Death Benefit Rider- Terminal Illness. Sagicor Life Insurance Co. Gold Series Fixed Indexed Single Premium Whole Life 813-287-1602 www.sagicorlifeusa.com All States Except MA MT NJ NC OR PA UT VA 18-85 Years One single premium n-par The Face amount of the policy Immediate 10% Bonus Interest, Guaranteed Death Benefit and Cash Value, Three Distinct Crediting Strategies, Accelerated Death Benefit Rider at no additional charge, n-med Point of Sale process issued Standard through Table 4, 10 year surrender charge 14
Sagicor Life Insurance Co. Gold Series Interest Sensitive Single Premium Whole Life 813-287-1602 www.sagicorlifeusa.com All States Except MA OR PA 15 Days-90 Years One Single Premium payment n-par The Face amount of the policy Guaranteed ROP from day 1 (less any indebtedness), n-med Point of Sale Process Issued Standard through Table 4, Two risk classes, Accelerated Death Benefit Rider-Terminal Condition and Chronic Illness at no additional charge, 10 year surrender charge. Sagicor Life Insurance Co. Gold Series Whole Life 813-287-1602 www.sagicorlifeusa.com All States Except OR 15 days-75 years below $75K; 18-90 years over $75K age 100 n-par The Face amount of the policy Level annual premium payments, Guaranteed Death Benefit and Cash Value, three distinct crediting strategies, n-med point of sale process issued Standard through table 4, Loans allowed, and Accelerated Death Benefit rider for Terminal Condition-no additional charge. Securian Financial Group Secure Whole Life 651-665-3500 www.securian.com 0-90 N/A Face Amount The client can choose to pay the contract up before lifetime with custom payment options. Senior Market Sales Secure Solutions Whole Life 800-786-5566 www.seniormarketsales.com All States Except IL KY MA NY WA Life pay and 20 pay 15
2010 Minimum $15,000 no Maximum policy fee, AD and D, Guaranteed Insurability Option, Single Premium Additional Insurance Rider, Continuous Premium Additional Insurance Rider, Waver of Premium, Children s Rider Standard Life and Accident AdvantageGuard 888-290-1085 www.slaico.com All States Except AL ME NH NJ NY 26-80 lifetime non-participating immediate and graded options Starmount Life Insurance Co. SelectLife 225-400-9100 www.starmountlife.com All States Except CO MT NY Those 1-85 years of age may apply. Customers may pay annually, every 6 months, quarterly and monthly. Starmount does not pay dividends. The death benefit would be the face amount of the policy. Up to $50,000 of coverage without a medical exam if an applicant is under age 80. 90-day money back guarantee is offered, but may vary by state, according to individual state regulation. Texas Life Insurance Co. Securelife-plus 800-283-9233 www.wrli.com 45-85 Monthly, Quarterly, Semi-Annual, and Annual billing modes on bank draft none ages 45-80 minimum $3,000, maximum $35,000; ages 81-85 minimum $2,000, maximum $35,000 Accidental Death Benefit Rider 16
Comp any: Trinity Life Insurance Co. First Whole Life 866-211-0811 www.trinitylifeinsurance.com IL KS KY NE ND OH OK TX First Whole Life: monthly, quarterly, semi-annual, & annual n-participating policy First Whole Life: $10,000 to $5,000,000 Trinity Life Insurance Co. Golden Eagle Final Expense 866-211-0811 www.trinitylifeinsurance.com IL KS KY NE ND OH OK TX 5 n-participating policy. $2,500 to $25,000 Permanent Qualified Nursing Home and Terminal Illness riders at no additional premium United American Insurance Co. Whole Life SWL 972-529-5085 www.unitedamerican.com All States Except MN MT t Applicable; SWL is non-participating Selected by Applicant Children s Term Rider, ADB Rider, Disability Waiver of Premium Rider, Terminal Illness Accelerated Death Benefit Rider United of Omaha Whole Life Express 800-693-6083 www.mutualofomaha.com 26-85 years old (may vary by state) N/A $20,000-$50,000 ($5,000-$50,000 for ages 26-44; in MA, MN, MT, ages 26-85) 17
Cannot be canceled for any reason as long as premiums are paid. Builds cash value that you may borrow against. Benefits paid to your beneficiary income tax free under current federal tax laws. Unum Interest Sensitive Whole Life 866-677-3054 www.unum.com All States 15-80 to age 120 no dividends payable, non-participating company Guaranteed level death benefit 18