FAQs
What kind of insurance plan is this?
This is a whole life policy that provides up to $25,000 of coverage for your entire lifetime. Plus, it accumulates a cash value that you can borrow against.
Why do I need this type of insurance?
If you’re worried about the cost of life insurance when you get older, buying underwritten whole life coverage now can ensure your family is protected in the future.
How much life insurance can I apply for today?
You can choose the level of coverage you need from: $10,000, $15,000, $20,000 or $25,000.
Can my spouse apply too?
Yes. Not only can you begin the application process online, but your spouse (if age 18-75) can begin the application process, too.
Is there a Free Look Period on this coverage?
We want you to be confident you've made the right decision. When your arrives, you'll have 30 days (31 in South Carolina) to review it in detail. If you're not totally satisfied that the coverage meets your needs, simply return your within 30 days (31 in South Carolina) of receiving it for a full refund of premiums paid.
Do I have to take a medical exam?
A medical exam is not required in most cases. If a medical exam is required it will be at your convenience and at our expense.
What happens if I change jobs or retire while covered?
As long as the premiums are paid, the plan provides continuous coverage even if you change jobs or retire. You own the policy and can take it with you.
Does this life insurance plan build cash value?
Yes. The plan builds cash value over time that can be used to borrow against or to surrender the for cash at a later date.
Policy Form: D546 series. Not available in all states.