“Simple Life Solutions” Life Insurance Program Summary:
- Competitive premium rates!
- Flexible payment modes – monthly, quarterly, semi-annual and annual bank draft
- Direct bill may be an option for certain payment modes
- Lifetime protection with a whole life policy (as long as scheduled premium payments are made)
- Immediate underwriting decision with Elite Sales Processing (ESP) via telephone
- Average personal health interview takes 11-12 minutes
- Premium rates will not increase regardless of your age and health
- Coverage is guaranteed regardless of future health
- Face value will never decrease
- Non-seen/voice authorization sales option ($15,000 max benefit)
- Complete sales is done over the telephone
- Cash value buildup
- Agent Commissions paid daily or weekly; commission paid on approval of applications
- Live customer service for both client and agent support
*Both Level & Modified products are not currently available in ME, MT, NY and WA
Level Benefit/Preferred Plan (Available for ages 0-85)
Immediate full face death benefit that equals 100% of the face amount. (Not currently available in ME, MT, NY, WA)
Issue Age Benefit Amount
0-60 $5,000 to $50,000
61-70 $3,000 to $25,000
71 -80 $3,000 to $25,000
81-85 $3,000 to $20,000
Modified Benefit/Return of Premium Plan (Available for ages 40-80)
Full face death benefit beginning the third year. Death benefit is limited in the first two years to the return of premiums paid, plus 10% interest. (Not currently available in AR, MA, MN, NC, PA)
Issue Age Benefit Amount
40-60 $5,000 to $15,000
61-70 $3,000 to $15,000
71-80 $3,000 to $10,000
