SINGLE PREMIUM LIFE

A one-time premium payment (also payable in installments of up to five months) provides instant PAID-UP insurance. This type makes an excellent gift for any special occasion, such as birth, christening, first communion or confirmation. If purchased for a child under the age of 16, insured membership will then allow the child to apply for a scholarship.
PREMIUM RATES

3-YEAR PAYMENT PLAN*

Premiums are paid for three years and the policy becomes paid-up life. This policy is also called a benefactor plan, which means that the benefits may be donated to a church or a charitable organization and the premiums are tax deductible. Premiums may be:
per $1000 of coverage PREMIUM RATES
or for Selected amounts PREMIUM RATES

5-YEAR PAYMENT PLAN*

The same type as above with the exception that premium rates are payable through five years. Premiums may be:
per $1000 of coverage PREMIUM RATES
or for Selected amounts PREMIUM RATES

TWENTY PAYMENT LIFE*

An economic plan with low premium rates where premium payments are made for a period of twenty years.
PREMIUM RATES

LIFE PAID-UP AT 65*

Issued to and including age 55. This type of insurance is an excellent choice for an older adult who prefers not to make premium payments after retirement. Payments may be made as in the TWENTY-PAYMENT LIFE plan and benefits are the same.
PREMIUM RATES

TWENTY-YEAR ENDOWMENT*

An Endowment type of insurance policy gives you insurance coverage in the full face amount. It is also a form of savings plan with premium payments made for a period of twenty years, which may be considered a "College Plan" or even a "New Home - New Car - Retirement Plan". At maturity, the policyholder may choose to terminate the policy and receive the total face value plus accrued dividends, or may choose to receive partial cash payment and either be insured for the same face value or increased face value. This type of insurance is available to and including age SEVENTY (70). Premiums may be:
per $1000 of coverage PREMIUM RATES
or for Selected amounts PREMIUM RATES

FIFTEEN-YEAR CASH OPTION*

An Endowment type of insurance policy gives you insurance coverage in the full face amount. It is also an excellent saving plan. A 15-Year Cash Option Endowment differ from other coverages in that the policyholder has the option to obtain the cash value after 15 years or continue premium payments and receive the full face endowed. At maturity, the policyholder may choose to terminate the policy and receive the total face value plus accrued dividents; or may choose to receive partial cash payment and either be insured for the same face value or increased face value.
PREMIUM RATES

TERM INSURANCE

JUVENILE: issued up to age 16, premiums payable to age 25. Upon termination, the policyholder is given an option for reissuance of insurance up to three times of the original face value with no medical exam. Coverage may be for $5,000 with annual premiums of $10 and for $10,000 with annual premium of $17.50. For example: each child insured for $10,000 at age 25 may be insured for $30,000 in the plan of choice.

ADULT: 10, 15 and 20 year terms renewable to age 70, convertible to age 65. At age 65 and upon termination of a term policy, a new policy may be issued up to the face amount of the term policy without age limit and evidence of insurability from among all products available except term. The minimum Face Value of Term Life Insurance is $10,000. For medical inquirements click here.
10 YEAR PLAN    15 YEAR PLAN    20 YEAR PLAN

*Premium payments may be made annually, semi-annually, quarterly or monthly.

Except for Term, when all premiums are paid, insurance coverage continues for the rest of the policyholder's life.

Non-Medical Age Limits and Maximum Face Amounts:

Age	Amount
0-35	$20,000
36-40	$15,000
41-50	$10,000
51-60	$ 5,000
61-70	$ 3,000
71-80	$ 2,000