As the Holidays Approach, Talk to Your Clients About the “Gift” of Life Insurance!

With the holidays approaching, we start thinking of family. Encourage your clients to consider life insurance for themselves as a “gift” for their loved ones. We have coverage options for all ages, from 0-80!

Whole Life Coverage
• Permanent coverage*
• Ages 0-80
• Builds guaranteed cash value
• Level premiums and death benefit
• Preferred rates available for non-tobacco
• Built-in, no-cost riders and benefits, dependent on age and face amount
*So long as premiums are paid on time.

Final Expense Coverage
• Permanent coverage*
• Ages 20-80, depending on plan
• Builds guaranteed cash value
• Guaranteed premiums and death benefit
• Four products available for most health situations, including insulin-dependent applicants if they qualify otherwise, and one for uninsurable applicants
*So long as premiums are paid on time.

Term Coverage
• Ages 20-60, depending on plan and tobacco use
• Level premiums for the initial period and level death benefit
• Four products available, including one for insulin-dependent applicants if they qualify otherwise
• Return-of-premium feature available on one plan

Accidental Death Benefit Coverage
• Ages 18-60
• Level premiums for the initial period
• Accidental death benefit doubles over the initial period
• Return-of-premium feature available
• One non-health question on the application