Simplified Issue Final Expense Whole Life Insurance:    (UHL Incentive Trip)
 
Express Issue Whole Life (EIWL) is graded-benefit whole life insurance. During the first two policy years, the benefit for death by natural causes is a refund of all premiums paid to date plus interest. Beginning day one of policy year three, the full benefit is payable to your beneficiary. For death due to accidental causes during the first two policy years, the full death benefit will be paid to your beneficiary.  EIWL also has several no-cost riders designed to provide additional value-added protection with no additional premium required Identity Theft Waiver of Premium Rider, Hospital Stay Waiver of Premium Rider, and Common Carrier Accidental Death Benefit Rider.

Express Issue Premier and Express Issue Deluxe are immediate death benefit whole life insurance products that also offer optional riders and benefits to tailor the product to your particular needs: Child Rider and Accidental Death Benefit Rider.  In addition, each product includes a no-cost Terminal Illness Accelerated Benefit Rider. Total and Permanent Disability Benefit (Waiver of Premium) and Child Rider are optional riders available to you.

Provider is an immediate death benefit whole life product offering protection at every stage of your life, whether you’re newly married, building a family, or an active senior. It’s also a great starter policy for your children or grandchildren.  Discounted premium rates are available to those who qualify. No-cost riders and benefits4 on Provider include: Common Carrier Accidental Death Benefit Rider, Guaranteed Insurability Benefit Rider5, Life-Threatening Cancer Accelerated Benefit Rider, Charitable Gift Donation, and Terminal Illness Accelerated Benefit Rider.



                                            ​​          Foresters - PlanRight Final Expense

Level and Guaranteed Premium Whole Life Insurance. Three types of coverage – one that can immediately pay a full death benefit (Level) and two that provide a limited benefit (Graded and Modified) in the first two years, and can provide a full death benefit thereafter.



                                                                     ​Mutual of Omaha - Living Promise Final Expense

Level Benefit Plan

  • Death Benefit: 100%
  • Issue Ages: 45-85
  • Face Amounts: $2,000-$40,000 (in WA, $25,000 - $40,000)
  • Underwriting Classes: Standard Tobacco/Nontobacco

Graded Benefit Plan

  • Graded death benefit during the first two years, unless death results from an accidental bodily injury. Full death benefits will be paid, in all years, if death results from an accidental bodily injury.
  • Issue Ages: 45-80
  • Face Amounts: $2,000 to $20,000
  • Underwriting Class: Standard (no tobacco distinction)


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