Product Spotlight - Life Insurance Whole & Term Life (w/ Return of Premium)

Our Term Life Insurance with Accelerated Underwriting offers flexible, affordable life insurance coverage for individuals looking to protect their families and loved ones. The policy provides guaranteed level premiums for a term period (20 or 30 years) and includes an option for instant approval. The policy also offers several rider options, including the popular Return of Premium (ROP) rider, which refunds up to 100% of the premiums paid if you outlive the term of the policy!

What makes this special policy so unique?

• Benefits Amounts available up to $10,000,000!
• Instant Approval/Accelerated Underwriting levels up to $1,000,000 (ages 18-50) & up to $500,000 (ages 51-65)!
• Critical Illness & Disability riders can be added on to this policy for a low cost!
• Everybody loves getting all of their money back after the term ends (with the ROP rider)!

 Key Benefits

• Guaranteed Premiums: Premiums are level and guaranteed for the entire term period, making it easy to budget for coverage.
• Customizable Coverage: Choose from term periods of 10, 15, 20, or 30 years and benefit amounts ranging from $25,000 to $10 million.
• Return of Premium (ROP) Rider: Available on 20- and 30-year policies, the Endowment Benefit Rider returns up to 100% of the premiums paid if the insured outlives the policy term. This provides a savings-like benefit, turning the policy into a no-risk investment.
• Living Benefits: The Accelerated Benefits Rider allows access to a portion of the death benefit if diagnosed with a terminal illness or if permanent nursing care is required.
• Additional Riders: Optional riders include Disability Waiver of Premium, Critical Illness Benefit, Monthly Disability Income, Children’s Term Rider, and more.

Rates start out as low as $9.79/month (for $250,000)! (((SEE BELOW)))

Our Whole Life Insurance provides lifelong protection, offering a guaranteed death benefit along with cash value accumulation that grows over time. This policy is designed to provide permanent financial security, with flexible payment options and the ability to access the cash value for loans or emergencies.

What makes this special policy so unique?

• Benefits Amounts available up to $10,000,000!
• Instant Approval/Accelerated Underwriting levels up to $300,000 (ages 0-17), $200,000 (ages 18-45), $150,000 (ages 46-60) or $100,000 (ages 61-85)!
• Accelerated Death Benefit Rider is included!
• Limited Pay Options available for 10-pay, 20-pay, pay-to-65 and pay-for-life!
• (Recommended) Level Term Rider extends coverage by up to 10 times the base policy amount for a term of 10, 20 or 30 years! It's an affordable way to purchase a high amount of total life insurance that includes both whole life & term life!
• Critical Illness, Guaranteed Insurability  & Paid-up Additions riders can be added on to this policy for a low cost!

Key Benefits

• Lifetime Coverage: Coverage remains in effect as long as premiums are paid, providing permanent financial protection.
• Cash Value Accumulation: Builds tax-deferred cash value that can be accessed through policy loans, providing flexibility in times of need.
• Dividend Options: Eligible for dividends based on Assurity’s performance, which can increase the policy's value or reduce future premiums.
• Flexible Payment Plans: Choose from options like 10-pay, 20-pay, pay-to-65, or lifetime pay to find a plan that suits your budget.

Why Choose Whole Life Insurance?

Whole Life Insurance is ideal for those seeking permanent coverage that builds cash value, offering both a financial safety net for loved ones and a long-term savings option. With its flexible riders, including the ability to accelerate the death benefit if diagnosed with a terminal illness, this policy is designed to provide lifelong peace of mind. 

Affordable Whole Life (+ Level Term Rider) Example

34-yr old male (non-smoker): $50,000 Whole Life Policy + $150,000 30-year Level Term Rider = $200,000 total coverage. Cost is $67.47 ($50k WL) + $23.49 ($150l 30-yr LTR) = $90.96/month!