Participating whole life insurance requiring one premium payment. Dividends used to purchase additional paid-up coverage. Cash value is guaranteed. Minimum issue $5,000 face value or premium.

Simplified whole life policies for final expenses. Level death benefit and graded death benefit. Guaranteed premiums and cash values. Low issue minimums ($1,000). Limited underwriting, short-form application.

Same great GuideStar policy but with shorter premium paying periods. Guaranteed premiums and cash values. Limited underwriting, short-form application. $1,000 issue minimum. Maximum issue for single pay is $25,000.

Modified version of traditional whole life. Designed for association groups. Unisex, aggregate rates. Simplified underwriting. Three specific programs for specialized group needs.

Single or recurring premium life rider. Dividend additions are interest sensitive. May be added to American or Young American whole life policies in a single premium lump sum (as in a 1035 exchange) or in recurring premium payments.

Level term with guaranteed premiums. Renewable as Ultimate ART. Reentry provision. Issue ages begin at 20. Available as a policy or rider. Minimum issue $100,000. Preferred non-tobacco underwriting class available.

Premium guaranteed for first year, indeterminate premium thereafter. Available as policy or rider. Issue ages 20-70. Can add 20YLT rider to 20YLT policy. Convertible to whole life. Low issue minimum ($2,500). Maximum issue amount is $99,999.

Premium guaranteed for first five years, indeterminate premium thereafter. Renewable as 10YLT with reentry or as ART. Issue ages 20-70. Low issue minimum ($2,500) - maximum issue amount is $99,999. Convertible to whole life. Premiums particularly competitive age 50-70.

Single premium level term to age 21 for children born or adopted into the family. Issue ages 0 (15 days) thru 15 years. Minimum - $5,000. Maximum - $10,000. Convertible to five times base coverage.

Level term to age 25 for all the children in a single family group. All living children and children born or adopted into the family, with coverage beginning at 15 days. Issue minimum 5 units ($5,000) for a single family or minimum aggregate premium of $50 per year/$5.00 per monthly bank draft.

Simple and easy to use preneed life insurance and annuity funding plans offered through independent funeral homes.