Guaranteed Coverage - Guaranteed
Level Premiums - Simple Application Process
We offer a Final Expense - Burial - Life Insurance Portfolio of whole life insurance products designed
to help cover the costs associated with funeral and burial
expenses, unpaid medical bills, or other financial obligations
that your family may face when you die.
families are faced with the difficult task of saying
goodbye to loved ones.
the need for
one of the most expensive purchases many people will
ever make. A traditional funeral, including a casket and
vault, can cost about $6,000, and the additional expense
of flowers, limousines, and obituary notices can add
thousands of dollars to the total cost. Many funerals
can run well over
Funerals: A Consumer Guide, Federal Trade Commission,
Many people do not want to leave this financial burden
with their families upon their death. A final expense,
burial, whole life insurance policy can be a great way
for you to protect your family from the costs of final
questions you may want to ask yourself:
your bills and funeral expenses be paid?
Who will pay
for any outstanding hospital or medical bills?
family afford to pay these bills without sacrificing
their retirement or other savings?
Three products for different
... these are not group life
Final Expense Life Insurance
Ultra Protector I –
full final expense life insurance death benefit
UP TO $30,000
Ultra Protector lI –
2-year graded final expense life insurance death benefit1
UP TO $30,000
Ultra Protector III
3-year graded final expense life insurance death benefit1;
UP TO $10,000
More Benefits May Apply
Full death benefit payable for accidental death
Guaranteed level premiums
Everyone can qualify for coverage2
Coverage cannot be cancelled because of age or
● Burial life insurance
face amounts from $2,000 to $30,000
Pipe and cigar smokers qualify for non-smoker rates
Simple application process – No medical exams3
No telephone interview required
Quick issue – 48 hour turnaround on clean
Children’s Term and Terminal Illness Accelerated
Benefit Riders available on Ultra Protector 1
A non-smoker is defined as a person who has not smoked
cigarettes for at least 12 months prior to the completion date
of the application. Smokeless tobacco, cigar, and pipe smoking
qualify as non-smoker.
Policy loans may be available. If available, the loan interest
will be charged, in advance, at a fixed rate of 7.4% per year,
compounded annually. This is equivalent to an effective annual
rate of 8.0%, when payable in arrears. Policy loans will impact
policy performance. When policy loans and interest on the loans
are greater than the policy’s cash value, the policy will
terminate. State variations apply.
After the policy has a cash value, and if any premium remains
unpaid after the grace period, the non-forfeiture options
available for Ultra Protector I, Ultra Protector II, and Ultra
Protector III are reduced paid-up insurance and cash surrender.
The automatic option will be reduced paid-up insurance.
Ultra Protector I: Non-smoker: 50-85 Smoker: 50-80
Ultra Protector II: 50-80
Ultra Protector III: 50-75 age last birthday
Final Expense - Burial - Life Insurance PDF>