Life Insurance (No Exam)

A common belief about life insurance is that it’s complex and difficult to understand. And at times, it can seem to be. When you consider all of the options available to you such as types of life insurance, additional riders, face amounts, cash value accounts, etc. the details can get overwhelming. But life insurance as a concept is fairly easy to understand. Life insurance is a contract involving three parties – an insured person, a life insurance provider and a beneficiary. Depending on the product, it is designed to pay a benefit to the beneficiary or beneficiaries when the insured person dies or becomes critically ill. 

• Types of Life insurance we offer is Term, Whole, and Universal Life (Duration of coverage 10, 15, 20, 25, 30 year premiums)

Life insurance death benefits are generally free from federal income tax making them an attractive option when it comes to legacy planning. 

Although life is full of happy milestones, we all have to deal with unforeseen challenges that can result in financial hardship. Life insurance can help your family to continue to meet financial obligations such as mortgage payments and college tuition in the event of your unexpected death. 

Member Policy Benefits

• Terminal Illness Loan
  • Interest-free loan
    • Up to 75% of the net face amount of life insurance up to a maximum of $250,000
    • Definition of terminal illness: Reasonable certainty of death within 12 months as determined by a legally qualified Physician who can provide medical proof