• Non-medical term – fully underwritten non medical up to $350,000
• Whole life - Simplified Issue has 3 polices, level, graded and modified whole life minimum face amount for whole life $5,000; issue age 0-80, age nearest..  Fully underwritten whole life - issue age 0-85, minimum face amount $10,000; optional riders, Accelerated Benefits Rider (Living Benefits), Accidental Death Benefit RiderChildren’s Term Insurance RiderCritical Illness Benefit Rider (base and other insured)Disability Waiver of Premium Benefit RiderLevel Term Insurance enefit Rider (base & other insured)Monthly Disability Income Rider (base & other insured) Payor Benefit RiderProtected Insurability Benefit RiderValue Enhancement Rider (VER): Single and Periodic
• Single Premium Whole Life - minimum face amount $5,000(55 and over) 0-80 (automatic riders where approved), ADB, Terminal Illness and LTC
• Disability Income – Individual DI, Simplified, Graded
• Critical Illness – Simplified and Fully underwritten

Acci-Flex - is an accidental death benefit guaranteed-premium term life insurance policy.

• More competitive premium rates
• New benefit periods
• Increased multi-life discount
• Improved definition of disability
• Extended Own Occupation Rider options
• Lengthened renewability
• Higher first-year commissions!