No Medical Term Life Insurance

Simplified Term, Deferred Term & Term Plus:These plans are the least expensive of the no medical coverages and are available for individuals aged 20 to 70. Face amounts range from $25,000 to $150,000, and coverage can last as far out as age 100.

Whole Life Insurance

Acceptance, Deferred Life & Simplified Life: Whole life plans provide coverage for your entire life. These permanent coverages are available for individuals aged 25 to 80 for face amounts of $1,000 to $75,000. A cash value is also available.

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Insurance Glossary

Non-Forfeiture Options: The choices available in a life insurance policy to a policyholder if he or she discontinues premium payments on a policy that has accumulated a cash value. The choices are usually to take the cash value in cash, to apply the cash value to purchase "reduced paid-up insurance" or "extended term insurance", or to use the cash value as security for a loan against the policy to pay the premium or premiums due ("automatic premium loan").



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