Universal Life Plan
· Advocate Plus
· Advocate 2000

Our Universal Life plan(s) is a versatile contract with great flexibility created to fulfill all your insurance needs and combines:

· Universal Life (Increasing or Level)
· Great Flexibility
· Standard and Moderate Premiums
· Additional Deposits
· Cash Values
· Competitive Interest Rate
· Policy Loans or Cash Withdrawl
· Tax Advantages

                   

Level Term
·10 / 20 / 30 years

Our Term plans offer competitive and guaranteed
premium rates for the full period.

· Life Insurance Coverage
· Competitive Rates
· Fixed Premiums
· Conversion to a Universal Life Plan
· Renewal to age 65 (10, 20 year plan)
· Renewal to age 55 (30 year plan)
· Tax Advantages

Optional Benefits

Available according to the selected insurance plan.

· Accelerated Benefit Rider
· Waiver of Cost of Insurance (Universal Life)
· Waiver of Premium (Term)
· Accidental Death
· Primary Insured Rider (Universal Life)
· Other Insured Rider

                   


Plan Integral

An innovative plan that combines life & health benefits for
a very competitive premium rate, designed to reimburse
benefits directly to you for:

· Life Insurance
· Intensive Care
· Organ Transplant
· Cancer Treatment
· Dismemberment
· Final Expenses (Cancer)
· Cancer Treatment

Group Products
(minimum of 25 participants)

Competitive plans designed to fulfill your company's insurance needs for a group of employees, associations, or members.

· Term Life
· Accidental Death
· Competitive Premiums

This is a general description. Specific details of our insurance plans are found in the policy.