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.
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- 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.
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- 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.
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- 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
