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Living Promises
Protect your family from the burden of an expensive funeral. Speak with our burial insurance specialists to learn more about your options today.
Living Promises Policy Specs
Living Promise®
Whole Life Living Promise Whole Life Insurance offers simplified underwriting and level and graded benefit plans for seniors to help cover final and other expenses.
Graded Benefit Plan not available in AR, MT and NC.
Issue Ages(Age Last Birthday)
Level Benefit Plan:
45-85
Graded Benefit Plan:
45-80
Face AmountsLevel Benefit Plan:
$2,000 - $40,000
Graded Benefit Plan:
$2,000 - $20,000
$5,000 - $50,000
Underwriting ClassesLevel Benefit Plan:
Standard Tobacco/Nontobacco
Graded Benefit Plan:
Standard (no tobacco distinction)
Standard
Premium Modes(Modal Factors)
- Annual (1.00)
- Quarterly (.275)
- Semiannual (.52)
- Monthly BSP (.089)
- Annual (1.00)
- Quarterly (.25)
- Semiannual (.50)
- Monthly BSP (.08333)
- $36 Annual Policy Fee (Commissionable)
- $12 Annual Policy Fee (Commissionable)
RidersLevel Benefit Plan:
- Accidental Death Benefit Rider
- Accelerated Death Benefit Rider*
- None
- Guaranteed Insurability Rider*
- Death of Policy Owner Waiver of Premium Rider*
Death Benefit GuaranteesPolicy is guaranteed to age 100 as long as premium is paid
Policy is guaranteed to age 100 as long as premium is paid
Other Product Features
- Simplified underwriting
- Small face amounts
- No death benefit reductions in early years (Level Benefit only)
- iGo e-AppTM
More About Final Expense Coverage
Final Expense insurance is a basic issue life insurance policy that covers people until they reach 100 years old. It is quite similar to universal life insurance and is sometimes referred to as graded life or burial insurance with easy issue permanent coverage.
As an inexpensive insurance choice, final expense coverage can be used to cover the funeral and burial costs of the policy holder. Most people who do not want to place a hardship or burden their families with these burial and funeral costs will take out burial insurance polices.
Burial premiums can begin with higher costs at first than other forms of insurance since they include cash value features. An important advantage of burial premiums is that they are fixed, which means they remain the same even if your health deteriorates.
Final Expense coverage can pay for the casket, funeral service, visitation/viewing, hearse, digging and filling the grave, the actual cemetery plot, or burial vault or grave liner, minister, headstone, flowers, and other expenses related directly to named insured's funeral.
Contact us to learn more about the right final expense coverage for you.
As an inexpensive insurance choice, final expense coverage can be used to cover the funeral and burial costs of the policy holder. Most people who do not want to place a hardship or burden their families with these burial and funeral costs will take out burial insurance polices.
Burial premiums can begin with higher costs at first than other forms of insurance since they include cash value features. An important advantage of burial premiums is that they are fixed, which means they remain the same even if your health deteriorates.
Final Expense coverage can pay for the casket, funeral service, visitation/viewing, hearse, digging and filling the grave, the actual cemetery plot, or burial vault or grave liner, minister, headstone, flowers, and other expenses related directly to named insured's funeral.
Contact us to learn more about the right final expense coverage for you.
