Simplified Whole Life

This plan provides whole life protection designed specifically for people ages 0-80. You can purchase up to $25,000 of coverage with a simplified application process. Multiple payment options are available. No riders may be added to this plan.

The certificate builds equity in the form of cash value. The cash value works for you by growing at a guaranteed rate year after year. You will know in advance the guaranteed cash value accumulation and have the peace of mind that is not subject to the fluctuations in interest rates. If needed, the policy owner has the ability to access the cash value by taking out a low-interest certificate loan.

Best of all, the increases in the cash value accumulate tax-deferred. The policy owner will never pay taxes on this tax-deferred growth unless you take out more cash value than you have paid in premiums. In addition to these advantages, the proceeds of the certificate generally pass tax free to the beneficiary selected.

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