• Low cost term life insurance
• Whole life insurance
• Universal life insurance
• Combinations of life insurance types
• Survivorship Universal Life
  

• Complete needs analysis
• Top rated insurer (A+) by AM Best
• Rated 1 of the top 5 nationwide by Weiss Rating
• Guaranteed rates
• Guaranteed cash values
• Above average dividends
• Guaranteed convertibility on term insurance
• Terminal illness benefit
  

Options:

• Insured rider
• Spouse rider
• Other (non-related) insured rider
• Waiver or premium
• Guaranteed Issue Option rider
• Children’s term rider
• Numerous Dividend Options

Discounts Available:

• Non smoker
• Great Preferred and Preferred Plus discounts for good health and family history.