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Life Insurance

Term Insurance

Temporary insurance set for a specified term and is renewable and convertible. The premium is set for the term period and will renew at the end of each term (10 or 20 years) with a significant increase in premium. Term policies do not carry a cash value. Term Insurance can be converted to Permanent with no proof of medical at anytime during the term.

* Medical evidence required at time of application.

Permanent Insurance

Coverage that maintains a level premium for the life of the policy and will not increase. Most permanent policies will have a cash surrender value. Universal Life carries Investment options for Tax Sheltered advantages. Whole Life allows for an increasing death benefit using Dividends to purchase additional coverage every anniversary date of the contract.

* Medical evidence required at time of application.

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