Quick Comparison

Our policies fall into these main categories, but remember: your agent can customize policies for your needs.

  Upfront cost Coverage Pays dividends Other benefits
Participating Whole Life $ - $$$ Lifetime Yes Fixed rates
Builds equity
Can be “paid up”
Term Life $ Temporary No Affordable income replacement for families
Premier Choice (Final Expense Whole Life) $$ - $$$ Lifetime No Permanent coverage for final expenses such as burial and funeral
Less stringent underwriting
Participating Whole Life Insurance
Our best-selling product: permanent, lifelong coverage that requires a higher premium, but comes with guarantees.
Woman with daughter
  • Fixed premiums never increase
  • Death benefit guaranteed to beneficiaries
  • Living benefits, including cash value and dividends,* allow you to take out affordable loans for life’s unforeseen circumstances
    • Guaranteed cash value grows over the life of your policy
    • You participate in the profitability of the company by earning dividends; while they are not guaranteed, we do limit our profits to give you more
  • You can “pay up” your policy just like you would a mortgage or other debt and retain your coverage without making any more premium payments
Term Life Insurance
A lower monthly premium for coverage limited to a specific period of time.
Family with a baby
  • Lower initial monthly payment for maximum coverage
  • Terms cover 10, 20 or 30 years; at the end of the term, you can purchase a new policy to lock in your premium rate for another 10, 20 or 30 years if you are still insurable
  • These policies do not build cash value
  • These policies are underwritten like our whole life policies, which allows you to convert them to whole life insurance for any amount, at any time that the term policy is still in force
Premier Choice (Final Expense Policy)
A smaller whole life policy, just to cover expenses such as funeral, burial and outstanding debts.
Grandfather and Grandson
  • Benefit payouts from $5,000 - $50,000
  • Issued to ages 50-85
  • Fixed premiums never increase
  • Guaranteed death benefit
  • Growing cash value
  • Simple, 11-question application with no medical exams
  • If you choose, you can assign the policy to a funeral home

Combining Whole and Term Life

You may find a combination of Term and Whole Life insurance that meets your needs best.

A whole life policy offering lifelong protection, e.g., to support a spouse or to cover funeral and burial costs for your family

  • Fixed premiums never increase
  • Cash value grows each year
  • Dividends can be used to increase the value of the policy

A term life policy for extra coverage during a specific period of time, e.g., while you have children depending on you

  • 10-, 20- and 30-year terms
  • Convert to whole life coverage with no medical questions asked

Also available through Worksite Life Insurance

We make it easy for companies to offer whole or term life insurance to their employees.

  • Voluntary participation
  • Payroll deduction
  • Insure entire family on one application
  • No blood, urine or medical exam
  • Employee retains the policy if they leave the company
  • $10,000 – $250,000 in coverage can include salary continuation, final expenses, debt cancellation and mortgage protection