Term life insurance is perhaps the most basic form of life insurance. It provides affordable protection, often with a guaranteed premium, for a set period of time. If the insured should die while the policy is in force, the face amount is paid to the named beneficiary. At the end of the premium guarantee period, the insured can renew the coverage at a new premium. The premium for term life insurance is initially lower than a comparable permanent insurance policy; however, it can increase at each renewal. This initial lower premium usually makes term insurance an ideal choice for individuals with a temporary need for life insurance protection.

30 Year Term         20 Year Term       10 Year Term         5 Year Term

Universal life insurance provides permanent life insurance protection and access to cash values that grow tax- deferred at competitive interest rates.

FLEXIBLE PROTECTION

Universal life products give you the flexibility to choose the amount of protection that best suits your family or business. It allows you to increase or decrease coverage as insurance needs change. Increased coverage may be subject to underwriting requirements. You may not decrease your coverage below the required minimum. A decrease may result in a surrender charge being applied against the policy's cash value.

FLEXIBLE PREMIUMS

With universal life insurance, you control the amount and frequency of payments. Looking towards the future? You have the option to increase the premium or make lump sum contributions, subject to limits as specified in the policy. The extra dollars grow tax-deferred, and may increase the cash and death benefit values. On the other hand, in a temporary cash crunch, you can pay less than the scheduled premium and let the policy's accumulated cash value pay the remainder of the monthly charges.

FLEXIBLE DESIGN

Universal life products can be customized with innovative policy features to fit your lifestyle

Key Man Life is life insurance designed for businessowners. These policies are designed in way that allows a businesses to run continuously after one of its owners dies.

A waiver of premium is an optional rider that will pay your life insurance premium in case you become disabled and are unable to work. This waiver will initiate after six months of the insured being out of work. It will back date to the original date of disability.

The primary beneficiary is the person designated on a life insurance application to receive the death benefit in the case of the insured's death.

A contingent beneficiary would receive the death benefit of a policy only in cases where the primary beneficiary was unable to recieve the benefits. An example of this would be if the insured person holding the life insurance died at the same time as the primary beneficiary.

A child rider provides level term insurance on the life of any covererd child. This rider sis issued in units. The issue limits are usually 2-20 units. Each unit provides $ 1,000 of level term insurance on each covered child. The term insurance rider usually ends on the childs 22nd birthday. At that point, the rider may be converted into a seperate individual policy.

An amendment to a life insurance policy that gives the policyowner the right to purchase additional insurance of the same type as provided in the original policy. The additional insurance can equal no more than an amount specified in the policy contract and can be purchased at specified premium rates and at specified times without new evidence of insurability.

The accidental death rider provides an extra $50K to 300K of additional coverage when a death is due to an accident.

The Accelerated Benefit Option gives terminally-ill policyholders access to the death benefits of their policies before they die. The member may receive a portion of the face value of the insurance in a lump-sum payment.

This rider is designed to help you keep up with inflation by providing automatic principal sum increases. These increases are usually 3% of your policy's principal sum.

The deposit fund rider provides an optional side fund. Payments may be made into the fund at any time and usually cannot be les than $25.