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PRODUCT KNOWLEDGE – WHOLE LIFE

This whole life product is approved in all states and provinces and is designed to provide clients and their families with flexibility, certainty, and lifelong protection.

How It Works

The policy provides a certificate that gives the family freedom of choice when handling final expenses. The family can take the certificate to a funeral home and assign the benefit directly to the funeral director. Funds are used to cover expenses up to the policy’s face amount, without requiring the family to turn over full control of the money.

Product Options

Clients can qualify for different product tiers based on underwriting, including:

• Whole Life
• Preferred Life
• Executive Life
• Select Life

Eligibility & Coverage

• Issue Ages: 0–80
• Ages 60–80 are placed into senior graded plans with face amounts ranging from $1,000 to $34,999

Key Features & Benefits

• Cash Value Growth: Accumulates after 3 years
• Paid-Up Option: After 3 years, clients can elect a reduced, fully paid-up policy with no further premiums
• Long-Term Value: Paid-up benefits are especially valuable for clients utilizing freedom of choice over extended periods (20+ years)