WHOLE LIFE PRODUCTS

 Eagle Premier - (Whole Life)

• Ages 50-85 applicable 
• Face Amount: $2,000 - $30,000
• Level premium, level benefits
• Accelerated Benefit Included- chronic & terminal illness
• E-App ONLY
• Accidental Death Benefit Included (no additional cost) - double indemnity & triple indemnity (for death in a common carrier)

Example : $10,000 face amount, $30,000 death benefit 

• Common carrier - triple indemnity - death occurs while a fare paying passenger (plane, bus, taxi, uber)

Example : $10,000 face amount, $20,000 death benefit

• Accidental death- double indemnity- death occurs in car accident or other accident type

Living Promise Level -  Whole Life - Immediate Coverage

• Ages 45-85 applicable 
• Face Amount: $2,000 - $40,000
• Level Premium, Level Benefits
• Accidental - double indemnity (optional, additional cost)

Living Promise Graded - Whole Life - 2 Year Waiting

• Ages 45-80 applicable 
• Face Amount: $2,000 - $20,000
• 2 Year waiting period for full death benefit
• If death occurs within first 2 years a refund of all premium paid into policy + 10% interest

Senior Choice Whole Life

Immediate Benefit:

• 50-80 Years of Age Applicable 
• Face Amount: $2,500 - $35,000
• Level Premium, Level Benefits
• Day one coverage

Graded Benefit:

• 50-80 Years of Age Applicable 
• Face Amount: $2,500 - $20,000 
• Level Premium
• If death in first year - 30% of face amount payable
• If death in second year - 70% of face amount payable
• Death occurs after 3rd year - full amount payable

ROP Plan:(Return of Premium)

• Applicable if below 65 years of age 
• Face Amount: $2,500 - $20,000
• Level Premium
• 3 year waiting period - If death occurs in first 3 years - full refund of premium + 10% on premium / After 3 years - full benefit payable

Over 65 Years of Age:

• 2 year waiting period - if death occurs in first 2 years - full refund of premium + 10% on premium
• After 2 years - full benefit payable

Prosperity - New Vista  

Immediate Plan

• 50-80 Years of Age Applicable 
• Face Amount: $1,500-$35,000
• Level Premium, Level Benefits

Graded Plan

• 50-80 Years of Age Applicable 
• Face Amount: $1,500-$35,000
• Level Premium
• If death occurs in the first year : 30% of the face amount will be paid out
• If death occurs in second year : 70% of the face amount will be paid out
• After the third year : 100% will be paid out

Modified

• 50-85 Years of Age Applicable 
• Face Amount: $1,500-$35,000
• Level Premium
• If death occurs in first year : 110% of the premium will be refunded
• If death occurs in second year : 231% of the premium will be refunded
• After the 2nd year : The full face amount will be paid out

AIG - Guaranteed Issued Whole Life

• 50-85 Years of Age Applicable
• Face Amount: $5,000 - $25,000 
• Level Premium
• 2 year waiting period - if death occurs in first 2 yrs full refund of premium + 10% interest 
• After 2 years - full benefit payable

Americo Term - Home Mortgage Series - HMS CBO (Cash Back Option)

Term: 15 Years:

• 20-55 Years of Age Applicable
• Face Amount: ?
• Includes - 50% of the face amount - accidental death
• Includes - Living Benefits
  • Chronic - Critical - Terminal illness 
• Access up 100% of face amount for bills

Term 20 Years:

• 20-60 Years of Age Applicable
• Face Amount: $25,000-$400,000
• Includes - 50% of the face amount - accidental death
• Includes - Living Benefits
  • Chronic - Critical - Terminal illness 
• Access up 100% of face amount for bills

Term 25 Years:

• 20-55 Years of Age Applicable
• Face Amount: ?
• Includes - 50% of the face amount - accidental death
• Includes - Living Benefits
  • Chronic - Critical - Terminal illness 
• Access up 100% of face amount for bills

Term 30 Years:

• 20-55 Years of Age Applicable
• Face Amount: ?
• Includes - 50% of the face amount - accidental death
• Includes - Living Benefits
  • Chronic - Critical - Terminal illness 
• Access up 100% of face amount for bills

CBO = Return of Premium 

            Example : 25 yr term - $100 / mo - $100,000 

            $100 x 12 months = $1,200 Annual Premium

            $1,200 x 25yrs = $30,000 Tax free return of premium paid

Americo - HMS 125

Term 15 Years:

• 20-75 Years of Age Applicable
• Face Amount: $25,000 - $400,000 
• No Cash Back Option
• Includes 25% accidental rider
• Living benefits 

Term 20 Years:

• 20-70 Years of Age Applicable
• Face Amount: $25,000 - $400,000 
• No Cash Back Option
• Includes 25% accidental rider
• Living benefits 

Term 25 Years:

• 20-65 Years of Age Applicable
• Face Amount: $25,000 - $400,000 
• No Cash Back Option
• Includes 25% accidental rider
• Living benefits 

Term 30 Years:

• 20-65 Years of Age Applicable
• Face Amount: $25,000 - $400,000 
• No Cash Back Option
• Includes 25% accidental rider
• Living benefits 

Mutual of Omaha - Term Life Express 

Term 10 Years:

• 18-70 Years of Age Applicable
• Face Amounts: $25,000-$300,000
  • 18-50 Years of Age = Face Amount: $25,000-$300,000
  • 51-60 Years of Age = Face Amount: $25,000-$250,000
  • 61-70 Years of Age = Face Amount: $25,000-$150,000
• Accidental Rider if Selected
• Cash Back OR Living Benefits

Term 15 Years:

• 18-70 Years of Age Applicable
• Face Amounts: $25,000-$300,000
  • 18-50 Years of Age = Face Amount: $25,000-$300,000
  • 51-60 Years of Age = Face Amount: $25,000-$250,000
  • 61-70 Years of Age = Face Amount: $25,000-$150,000
• Accidental Rider if Selected
• Cash Back OR Living Benefits

Term 20 Years:

• 18-60 Years of Age Applicable
• Face Amounts: $25,000-$300,000
  • 18-50 Years of Age = Face Amount: $25,000-$300,000
  • 51-60 Years of Age = Face Amount: $25,000-$250,000
• Accidental Rider if Selected
• Cash Back OR Living Benefits

Term 30 Years:

• 18-50 Years of Age Applicable
• Face Amount: $25,000-$300,000
• Accidental Rider if Selected
• Cash Back ONLY (Return of Premium)

American Amicable - Home Protector 

Term 15 Years:

• 20-65 Years of Age Applicable
• Face Amount: $25,000-$300,000
• Cash back option - 75% of premium refunded
• Accidental rider if selected

Term 20 Years:

• 20-60 Years of Age Applicable
• Face Amount: $25,000-$300,000
• Cash back option - 75% of premium refunded
• Accidental rider if selected

Term 25 Years:

• 20-55 Years of Age Applicable
• Face Amount: $25,000-$300,000
• Cash back option - 75% of premium refunded
• Accidental rider if selected

Term 30 Years:

• 20-50 Years of Age Applicable
• Face Amount: $25,000-$300,000
• Cash back option - 75% of premium refunded
• Accidental rider if selected

John Hancock - Vitality Program  

Term 10 Year:

• 20-60 Years of Age Applicable
• Face Amount: $25,000 - $500,000
• Level Term
• Return of premium rider (optional) - will only receive 75% of premium put in

Term 15 Year:

• 20-60 Years of Age Applicable
• Face Amount: $25,000 - $500,000
• Level Term
• Return of premium rider (optional) - will only receive 75% of premium put in

Term 20 Year:

• 20-55 Years of Age Applicable
• Face Amount: $25,000 - $500,000
• Level Term
• Return of premium rider (optional) - will only receive 75% of premium put in

Term 25 Year:

• 20-50 Years of Age Applicable
• Face Amount: $25,000 - $500,000
• Level Term
• Return of premium rider (optional) - will only receive 75% of premium put in

Term 30 Year:

• 20-45 Years of Age Applicable
• Face Amount: $25,000 - $500,000
• Level Term
• Return of premium rider (optional) - will only receive 75% of premium put in