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Crediting rate currently at 6.8% for 2013 (not guaranteed, subject to change)
Permanent Life Insurance that stays with you forever
Never reapply or re-qualify to keep the policy going
Builds cash value
Level premiums plus increasing cash value and death benefit over the life of the policy
Coverage available in $5,000 increments from $10,000 up to $800,000
After costs are deducted monthly, the remaining premium accumulates and earns interest, compounded monthly and tax-deferred
After you have completed your payment plan, both your cash value and your death benefit will continue to grow even though you are no longer adding premiums
Monthly, quarterly and annual premium payment options available
100% money back guarantee of the cash value or the total premiums paid, whichever is GREATER, with no surrender charges
If you pass away before your payment plan is completed, we will still pay the death benefit to your beneficiary (subject to terms and conditions of the policy)
Premium never increases
Death benefit never decreases
Each year, you will receive a detailed Annual Statement showing your death benefit, cash value, policy loan (if any), and loan interest (if any)
Those who meet medical requirements may convert death benefits into regular periodic payments before death to defray long term health care costs
with our Long Term Care Settlement Option.
Members can purchase policies in $5,000 increments up to $800,000 for their children and grandchildren ages six months through 23 years. For policies of $100,000 or less, no medical exam is necessary.
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