A loving promise, perfectly clear. Simply covered.
Life insurance built to protect your family today, with a conservative cash-value option for tomorrow. Clear guidance, no confusion, and no hype.
AN EXTRA-ORDINARY STANDARD
Protection That Is Both Powerful and Polished.
We've redefined legacy protection. Our streamlined approach cuts through the noise, delivering clear security and an unmatched experience.
Whole life highlights below. Indexed Universal Life (IUL) details are shown in the Plans section.
- Simplified Underwriting
- Our Standard plan bypasses questions on tobacco, height, or weight, and requires no medical exam. This is the fast-track to impeccable coverage.
- Guaranteed Acceptance
- Our Guaranteed Issue plan is an undeniable offer of coverage for eligible ages, irrespective of health history. No questions, no barriers.
- Legacy of Value
- Secure more than just finances; secure a legacy of care. Whole life coverage can help address final expenses while protecting your family's future.
- Rate-Lock Guarantee
- Your premium is locked in for life. As long as payments are made, your coverage value will not decrease and your rates will not increase. That's our promise of stability.
- Additional Coverage Options
- Enhance your protection with optional riders including Terminal Illness Accelerated Death Benefit, Accidental Death Benefit, and Dismemberment coverage for comprehensive financial security.
- Premium Payment Options
- Flexible payment options available through checking account, credit cards, and Social Security billing for your convenience.
Protection and Cash-Value Paths
Choose the whole life path that fits today, or an Indexed Universal Life (IUL) option for long-term cash-value potential.
Superior Choice – Standard (Whole Life)
OPTIMAL FOR: Individuals with managed chronic health conditions.
- Full coverage from day one.
- No medical exam, no prescription check, or history review.
- No questions regarding height, weight, or tobacco usage.
Issuance depends on simplified health question answers.
Note: During the first two years, the company has the right to review the application for any material misrepresentations or omissions. If discrepancies are found, claims may be denied.
Face Amounts by Issue Age (Age of last birthday)
Superior Choice – Guaranteed (Whole Life)
Benefit Information
Features a 2-year graded death benefit for natural causes, paying 110% of premiums paid. After two years, the full benefit is paid. Accidental death is covered in full from day one.
OPTIMAL FOR: Those with health issues or prior declines.
- Guaranteed acceptance for ages 0-85.
- Zero health questions. Zero medical exam.
- Immediate Coverage - from day one.
Issuance is guaranteed regardless of health conditions.
Face Amounts by Issue Age (Age of last birthday)
Cash Value Builder (IUL)
OPTIMAL FOR: Families seeking long-term protection with cash-value potential.
- Flexible premiums within policy limits.
- Index-linked interest crediting with downside protection (subject to caps/participation).
- Access cash value via policy loans (may reduce benefits).
Underwriting required. Availability and limits vary by age, health, and state.
Conservative Illustration Defaults
Previews use a 4.25% annual crediting rate and are not guarantees.
Term Life (10-30 Years)
OPTIMAL FOR: Coverage for a set term (10, 15, 20, or 30 years).
- Affordable death benefit protection.
- Living benefits for qualifying terminal illness, chronic illness, critical illness, or critical injury.
- Convertible to permanent coverage without additional underwriting.
Policy loans are not available on term coverage. Availability varies by state.
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- Serving all communities with dignity and respect.
- Industry-leading security for your personal data.
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