Life Insurance

People pick different types of Life Insurance to satisfy their needs during a particular time.  For instance, a family may choose to purchase a large term life policy in their early 30’s when they have mortgage payments, car payments, and when their bills are the highest.  Just in case the breadwinner dies, their needs will be taken care of with the proceeds of the Life Insurance Policy.  However its always good to supplement a Term Life Policy with a Whole Life Policy that accumulates cash as well.  Annuities are a great option as well.  We also offer as additions to these policies

• Terminal Illness
• Disability Income
• Critical Illness Riders

These are all great additions to income protection!

Universal Life Insurance
Your life changes, so do your life insurance needs.
Universal life (UL) insurance offers the flexibility to change your policy as your life changes. Marriage, children, job status and time can impact your life insurance needs. When premium requirements are met, a UL policy provides permanent life insurance protection with cash value accumulation.

Easy Issue Term Life Insurance:

Insurance isn’t a difficult decision—it’s an Easy Choice.
Whether you purchased a new car, remodeled your kitchen or attended college, you may have incurred short-term debt. Easy Choice Term is a simple low-cost, hassle-free 5-year term life insurance product that can cover your short-term debt. Easy Choice Term is a simple and thoughtful way to make sure your obligations don’t become your loved-ones’ burden.

Easy Choice Term Highlights:

• No medical exams
• Simplified underwriting
• Short form application
• Issue ages 18-70
• Coverage amounts from $5,000 – $100,000
• Five years of coverage with 5-year renewable option
• Accelerated Death Benefit and Seat Belt Benefit Riders included at no additional cost—subject to state approval

Instant Issue Term
Because your time is precious.
With Instant Issue Term, in just minutes, you can apply for and walk out of your agent’s office with your policy in hand, leaving plenty of time for you to do the other things you love. iit is a quick coverage option for new auto owners or homeowners and people looking for one-stop shopping. iit is great for people in excellent health.

Instant Issue Term Highlights:

• Available exclusively online; no paper applications
• Accept/reject underwriting based on simplified online application process
• Convenient, fast and easy; issued instantly
• Credit card payment accepted**
• 5-, 10-, 15-, 20-, 25-, or 30-year term plans in amounts from $25,000 – $250,000
• Guaranteed premiums and death benefit amount
• Accelerated Death Benefit Rider and Seat Belt Benefit Rider included, in states where approved, at no additional cost

Youth Plus Term

This may be the most important gift you will ever give.
Youth Plus Term is a parent’s, grandparent’s or other loving relative’s gift that provides future security for the children they love. Youth Plus Term, a small face term life insurance policy, provides two-stage lifetime insurance protection.

Youth Plus Term Highlights:

• Death benefit options of $5,000, $7,500, $10,000 or $20,000
• One single premium or two year payment plan available
• Convertible at age 25 to a permanent plan being offered by EMCNL, up to $25,000 without evidence of insurability
• Guaranteed Insurability Option Rider can be purchased if converted to a universal life policy, without evidence of insurability; $150,000 total coverage available by purchasing $25,000 at ages 28, 31, 34, 37 and 40
• Available online through your agent
• Convenient, fast and easy; issued instantly if qualified
• Credit card payment accepted**

ULTRA CHOICE UL 
ULTRA CHOICE UL is permanent life insurance with an adjustable death benefit and flexible premium payments. Tax-deferred interest adds to cash value.

ULTRA CHOICE UL Highlights:

• Low face amounts from $10,000 or the amount $300 minimum premium will purchase
• Withdrawals and loans available – borrow from the cash value at a low interest rate
• Additional Insured Term Rider, Waiver of Premium Benefit Rider, Accelerated Death Benefit Rider, Accidental Death Benefit Rider, Term Insurance Rider for Children, Seat Belt Benefit Rider, Guaranteed Insurability Option Rider, Total Disability Income Rider and Term Insurance Rider with Accelerated Benefit Rider (CI Rider), in states where approved

Whole Life Insurance
Secure the financial future of your family.
Whole life insurance offers permanent life insurance protection with a guaranteed death benefit and guaranteed premium payments. Premiums pay the cost of insurance protection and create cash value on a tax-deferred basis. Loans are available.

Point-of-Sale Guaranteed Increasing Whole Life 
Point-of-Sale Guaranteed Increasing Whole Life is designed to help cover final expenses, such as the costs associated with funeral and burial expenses. In addition, it can help cover other financial obligations that may be incurred at the death of a loved one, such as car loans, student loans or credit card debt.

Point-of-Sale Guaranteed Increasing Whole Life Highlights:

• Multiple guarantees: Increasing death benefit, level premiums and cash values
• Immediate underwriting decision provided by the end of the phone call
• Coverage amounts from $2,000 – $150,000
• No medical exam
• Issue ages 18-85
• Accelerated Death Benefit Rider and Seat Belt Benefit Rider available, in states where approved

Youth Whole Life 
Youth Whole Life provides protection for a lifetime at a guaranteed fixed price.
Youth Whole Life Highlights:

• Guaranteed death benefit, cash values and premiums
• Coverage amounts from $2,000 – $50,000
• Options for the future (surrender cash values or reduced paid-up insurance)
• Several payment options: continuous pay, 5-pay or single pay
• Accelerated Death Benefit Rider, Seat Belt Benefit Rider and Additional Paid-Up Insurance Rider available, in states where approved

Level Whole Life (Continuous Pay)
Level Whole Life offers flexibility traditionally not found in whole life products, while still providing lifetime protection that is fully guaranteed.
Level Whole Life Highlights:

• Guaranteed death benefit and cash values
• Covers both short and long-term needs
• No limit on the face amount of any term riders
• Issue ages 18-85
• Coverage amounts from $2,000 – $1,000,000
• Additional Paid-Up Insurance Rider, Additional Insured Term Rider, Waiver of Premium Disability Benefit Rider, Term Insurance Rider for Children, Total Disability Income Benefit Rider, Term Insurance Rider with Accelerated Benefit (CI Rider), Accelerated Death Benefit Rider and Seat Belt Benefit Rider available, in states where approved

Level Whole Life (Single Premium) 
Level Whole Life is designed to provide an alternative to CDs and annuities by providing an income tax-free way to transfer money to future generations or a favorite charity.
Level Whole Life Highlights:

• Guaranteed death benefit and cash values
• Liquidity in case of an emergency
• Competitive return on investment
• Issue ages 18-85
• Faster underwriting decisions for face amounts below $250,000
• Accelerated Death Benefit and Seat Belt Benefit Riders included at no additional cost

Increasing Whole Life
Increasing Whole Life is designed to provide a guaranteed increasing death benefit and superior cash values while maintaining a guaranteed level premium.
Increasing Whole Life Highlights:

• Death benefit that is guaranteed to increase until it doubles in year 29 (death benefit remains level after year 29)
• Coverage amounts as low as $2,000
• Guaranteed increases help keep up with rising funeral costs
• Additional Insured Term Rider, Waiver of Premium Disability Benefit Rider, Term Insurance Rider for Children, Total Disability Income Benefit Rider, Term Insurance Rider with Accelerated Benefit (CI Rider), Accelerated Death Benefit Rider and Seat Belt Benefit Rider available, in states where approved

Easy Choice Whole Life 

The power of peace of mind.

Planning for final expenses, covering debts and leaving a legacy are stressful decisions many people avoid. However, making choices about these matters does not have to be difficult. Easy Choice Whole Life is intended to provide quick and easy coverage for long-term needs.
Easy Choice Whole Life Highlights:

• No medical exams
• Simplified underwriting
• Short form application
• Issue ages 18-80
• Coverage amounts from $5,000 – $50,000
• Guaranteed cash values, level death benefit and level premiums
• Accelerated Death Benefit and Seat Belt Benefit Riders included at no additional cost—subject to state approval

Annuities

Build tax-deferred savings and receive a guaranteed income stream.

Annuities are retirement savings plans for tax-qualified and nonqualified funds. Premium payments grow with tax-deferred interest. Withdrawals are available with certain qualifications. Savings can provide a guaranteed income for life or for a specified period.

Bonus SPDA 2% (policy form ICC10ELP007 or ELP007):
Bonus SPDA 1.5% (policy form LP216):
Bonus SPDA 1% (policy form LP215):
A Single Premium Deferred Annuity (SPDA) offers several advantages that can help meet your savings goals. The above annuities earn 2%, 1.5% and 1% bonus interest respectively during the first year. Current interest rate is guaranteed for one year.
Additional features include:

• First-year interest bonus guaranteed
• Minimum premium: $10,000
• 10% penalty free withdrawal per year after the first policy year
• Issue ages: 0-90 nonqualified, 0-80 qualified
• Nursing Home Rider and Terminal Illness Rider available, in states where approved

SPDA 3, 4 & 5 (policy form ELP004): 

Current interest rates are guaranteed for three, four and five years respectively.

Additional features include:

• Minimum premium: $5,000
• 10% penalty free withdrawal per year after the first policy year
• Issue ages: All ages nonqualified, 0-80 qualified
• Nursing Home Rider and Terminal Illness Rider available, in states where approved

Accumulator FPDA (policy form ICC10ELP005 or ELP005):
A Flexible Premium Deferred Annuity is a good plan for IRAs, Roth IRAs and periodic funding of nonqualified retirement savings. Current interest rate is guaranteed for one year.
Additional features include:

• 1% first-year interest bonus guaranteed
• Minimum premium: $50 monthly, $600 annually
• 10% penalty free withdrawal per year after the first policy year
• Issue ages: 0-90 nonqualified, 0-80 qualified
• Nursing Home/Nursing Care Benefit available, in states where approved

SPIA (policy form ICC10ELP006 or ELP006):
A Single Premium Immediate Annuity is designed to provide you a guaranteed steady income immediately after purchase. It guarantees income payments for life or for a specified period.

Additional features include:

• $100 payout per period – 5 year minimum
• Issue ages: All ages
• Various settlement options available