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Modified Whole Life. An easy solution for dealing with a difficult subject.

FAQs


What kind of insurance plan is this?

This modified whole life plan provides up to $10,000 in coverage for life. Plus, it accumulates a cash value which you can borrow against or withdraw as you wish. Benefits are limited the first 2 years.

Why do I need this type of insurance?

Funeral costs can easily total around $6,500.1 Medical bills and outstanding debts add to the total. This modified whole life plan offers guaranteed coverage at affordable rates to help pay final expensesCosts that must be settled prior to distribution of the deceased person's estate. Final expenses may include funeral costs, taxes, legal fees or existing debts..

How much insurance can I apply for today?

You can choose the level of coverage that fits your needs: $5,000, $7,000 or $10,000.

How much coverage do I need?

Start by figuring out how much funeral costs and other final expenses amount to. Our calculator tool can help you determine the amount of coverage you need.

Can my spouse apply too?

Yes. Not only can you begin the application process online, but your spouse (if age 45-75*) can begin the application process, too.

Is there a Free Look Period on this coverage?

We want you to be confident you've made the right decision. When your policy/certificateThe written document issued by a life insurance company to a policyowner which expresses the insurance contract between the company and the policyowner. / A document issued to individuals insured under a group insurance policy, setting forth essential provisions relating to their insurance coverage. arrives, you'll have 30 days (31 in South Carolina) to review it in detail. If you're not totally satisfied that the coverage meets your needs, simply return your policy/certificateThe written document issued by a life insurance company to a policyowner which expresses the insurance contract between the company and the policyowner. / A document issued to individuals insured under a group insurance policy, setting forth essential provisions relating to their insurance coverage. within 30 days (31 in South Carolina) of receiving it for a full refund of premiums paid.

Do I have to take a medical exam?

No medical exam is required. We can guarantee your acceptance regardless of health, employment or medical history. However, because this is modified whole life insurance death benefits payable for natural causes are limited during the first two years.

What happens if I change jobs or retire while covered?

As long as the premiums are paid, the plan provides continuous coverage even if you change jobs or retire. You own the policy and can take it with you.

Does this modified whole life insurance plan build cash value?

Yes. The plan builds cash value over time that can be used to borrow against or to surrender the policy/certificate for cash at a later date.

Policy Form: SLGBL1400GC and SLGBL1400IP series. Not available in all states.


1 NFDA Fact Sheet, 2008

* Ages 45-80 in ID, KS, KY, LA, ME, MI, MS, NC, ND, NH, NV, OH, OK, SD, TX, UT, VT, WI and 55-80 in MD.

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