Life Insurance


Final Expense Insurance (Burial Insurance)		Term Insurance
- Usually small amounts from $2,000-$25,000. - Simplified issue....easy to obtain. - Plan never cancels. - Premiums never, ever increase! - Death benefit never decreases. - No medical exam. 1. Immediate coverage Answer "no" to a few medical questions, be in good health, get the best premium rates and you have full coverage immediately! 2. Graded Death Benefit If certain serious health conditions are present, you may still qualify for one of these plans. This plan starts out at less than the full death benefit (depending on which company and which plan) and "grades" up over 2 to 4 years to a full death benefit, and then remains constant thereafter. 3. Guaranteed Issue In almost every case, the policy is issued without any health questions. Benefits are paid out like Number 2 above.		- Amounts of insurance are $100,000 to $500,000,000 or more. - Provides very affordable life insurance for certain periods of time...like 10 years/15 years/ 20 years. - The underwriting is usually more extensive since the face amounts are usually higher. - Most plans have "level" or guaranteed premiums during the term. - Most term insurance has an option to convert to permanent insurance at your attained age. - Many variations and options available. - Most companies have multiple rate classes if you have certain existing health conditions.
Note: Not all plans shown available in all states. Each plan subject to that company's underwriting criteria. The information on this site is an overview for generalization only. For exact definition
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