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What kinds of life insurance are there? |
Term Life Insurance
Term life insurance policies provide life insurance protection for a specific period of time or term. If you die during the coverage period, the beneficiary named in your policy receives the policy death benefit. If you don't die during the term, your beneficiary receives nothing.
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Super EZ Life Insurance
Choose a level term life insurance plan locked-in for 10, 15 or 20 years. In most cases, there are no medical exams or lab tests and you can apply for up to $150,000 of coverage, with a simple application.
Premiums
- Level Term premiums are guaranteed and locked in for 10, 15 or 20 years.
Ages Available
- Super EZ 10,15: 15-60
- Super EZ 20: 15-55
Policy Sizes
- Super EZ 10 and 15: $25,000 to $100,000
- Super EZ 20: $25,000 to $150,000
(maximum cumulative amount $150,000 per individual)
Conversion Options
Plans are convertible to permanent life insurance without evidence of insurability prior to the final five years of the end of the contract term.
Vantis Term Life Insurance
Lock-in your rate with a Level Term policy guaranteed for 10, 15, 20, 25, or 30 years. Low cost Level Term Insurance is available from age 21 in policy sizes of $100,000 to $5,000,000.
Premiums
- VantisTerm premiums are guaranteed and locked in for 10, 15, 20, 25, or 30 years.
Ages Available
- 10 Year VantisTerm-21-70
- 15 Year VantisTerm-21-65
- 20 Year VantisTerm-21-60
- 25 Year VantisTerm-21-50
- 30 Year VantisTerm-21-45
Conversion Options
All VantisTerm policies can be converted to Vantis Life permanent life insurance up to age 65, without evidence of insurability.
Policy Sizes
Optional Benefits (Available to age 55)
- Disability Waiver of Premium Rider
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Whole Life Insurance
To learn more about Whole Life Insurance, please contact a Financial Consultant at 866-736-6475.
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How would I use life insurance?
- Income replacement
The most common reason for buying life insurance is to replace the income lost when you die. For example, when you die, and your paychecks stop, the life insurance proceeds can be used to continue to support your family members. Such support is needed to pay bills, pay for college education, etc.
- Debt payments
Another common use of life insurance proceeds is to pay off debts. For example, mortgages, car loans, and medical bills are often left unpaid when someone dies. These obligations must be paid from the assets left behind. This can exhaust the resources that your family needs. Life insurance can be used to pay off debts, leaving your other assets for your family to use.
Find out more about why you should have life insurance.
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NOT FDIC INSURED
NO BANK GUARANTEE | NOT A DEPOSIT
NOT INSURED BY ANY FEDERAL GOVERNMENT ENTITY |
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Equal Housing Lender
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