These policies are designed for individuals who want guarantees and who are focused on providing death benefit protection over cash value accumulation.


  • Guaranteed death benefit

  • Guaranteed cash value

  • Potential additional cash value by the receipt of any dividends declared by the company. Although not guaranteed, dividend payments are generally declared annually by the company.

  • Level premiums that are guaranteed to never change.


May be ideal for the consumer who has a need for life insurance, is somewhat conservative, and wants the guarantees of a fixed, minimum interest rate with the potential for additional interest credits.

Increasing the death benefit may be subject to additional underwriting approval.


  • Flexible death benefit
  • Flexible premium
  • Policy cash values are credited a current interest rate that is set by the insurance company and which is subject to change but it will never be lower than a guaranteed minimum interest rate.


May be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.

Increasing the death benefit may be subject to additional underwriting approval.


  • Flexible death benefit
  • Flexible premium
  • Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.
  • Downside protection through minimum guarantees to ensure that your cash value will not decline due to decreases in the Index.


This policy design is for the customer who needs life insurance but would like to have the ability to choose how their cash value is invested.

Increasing the death benefit may be subject to additional underwriting approval.

Variable contracts are sold by prospectus. For more complete information, please request a prospectus from your registered representative . Please read it and consider carefully a Fund’s objectives, risks, charges and expenses before you invest or send money. The prospectus contains this and other information about the investment company.

Guarantees are dependent upon the claims-paying ability of the insurer and do not protect the value of the variable product portfolios, which may fluctuate. Variable policy holders are subject to investment risks, including the possible loss of principal invested.


  • Flexible death benefit
  • Flexible premium
  • Cash value grows based on the performance of the professionally managed stock, bond and money market sub-accounts that you choose. You can design a portfolio to match your comfort level and risk tolerance. Policy cash values fluctuate based the sub accounts in which you are invested and may lose value, including principal.


May make sense for those with budget limitations, have large protection needs or have a temporary need.


  • Guaranteed death benefit for a fixed period3
  • Fixed premium.
  • No cash value.
  • Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of the insured.
  • Initial premiums tend to be lower but will eventually increase.

Mortgage Protection Insurance

For most families, the home is their single biggest investment. It is also their single largest debt. Mortgage protection insurance is a specialized life insurance policy designed to pay off your mortgage in the event of your death or illness.

Don’t lose your home!

Benefits of Our Mortgage Protection Plan:

  • Pays off your mortgage in the event of Death
  • Pays your monthly Mortgage if you become Disabled
  • Get up to 90% of the Death Benefit while you are still alive if you have a Terminal Illness, Critical Illness (Cancer, Heart Attack, Stroke, Kidney Failure or Major Organ Transplant), Critical Injury or Chronic Illness.
  • Insure your entire family on one policy for a single policy fee
  • Earn interest on your premiums to provide you and your family an extra source of income for emergencies
  • Receive 100% refund of all your premiums at the end of your term if the policy is not used.

Permanent Insurance

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There are many types of life insurance. Term insurance only provides a death benefit for a limited period of time. By contrast permanent insurance can provide a death benefit and the potential to build policy cash value that you can access during your lifetime using policy loans and withdrawals. Permanent insurance can also offer the flexibility to increase or decrease your death benefit as your needs change, as well as the potential to reduce or skip premium payments.​


Life insurance helps protect your home, family and income in case of premature death or the financial devastation of a terminal illness, chronic illness, critical illness or critical injury.

Life insurance is a promise between an insurance company and you, the policy owner. If you pay a certain amount of money (premium) to the insurance company, the insurance company will pay a certain amount of money (death benefit) to the person (beneficiary) you tell them to when the person whose life is being insured dies. Or, the company will pay you a certain amount of money, while you’re still alive, if have a policy with living benefits.

A life insurance policy with Living Benefits may be one of the best choices you can make to protect what you are working for.

  • Death Benefit protection provides financial security if you die too soon.
  • Living Benefits help provide financial security in the event of a qualifying illness or injury.

Life Insurance

You don't have to die to use!

Give Us a Call: (301) 322-4294