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Life’s Solutions Whole Life

Life's Solutions is a permanent policy with premiums payable to age 90, but your agent can help you plan ahead and achieve a reduced paid up policy in just 10 or 20 years by using the high guaranteed cash values. Life's Solutions is available in face amounts from $20,000 to $500,000 and the wide variety of optional riders allows for customized coverage to fit family needs.

  • The Children's Term Insurance Rider also known as the "Grandchild Rider," provides term coverage on your child or grandchild to age 25. Rider coverage can be converted to a permanent policy with no health requirements at ages 22 to 25.
  • The Other Insured 10, 20 or 30 Year Renewable Level Term Rider provides convertible term coverage for up to three additional insureds.  For each rider, you can select level premiums for the first 10, 20 or 30 years and renew the coverage until you reach age 90
  • The Primary Insured 10, 20 or 30 Year Renewable Level Term Rider provides convertible term coverage on your life, with level premiums for the first 10, 20 or 30 years and renewal premiums to age 90.
  • The Guaranteed Purchase Option Rider allows you to increase your coverage on specified dates without further evidence of insurability, regardless of changes to your health.
  • The three “Living Benefit” riders allow you to receive an advance benefit payment if you are diagnosed with a qualifying condition.  The Terminal Illness Rider, Critical Illness Rider and Chronic Illness Rider  are available at no additional premium charge. Receipt of accelerated benefits may affect eligibility for public assistance and may be taxable.
  • With the Accidental Death Benefit Rider,  your beneficiary can receive an additional benefit equal to the face amount of the policy, up to a maximum of $250,000, if you die by accident before age 100.

  • The Waiver of Premium Rider waives all premiums if you become totally disabled for six months or more.  The rider terminates at age 65, but if the disability begins before age 60, premiums will continue to be waived until the disability ends.

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This describes Policy/Rider Form Nos. 1F602, 1F602-CL, 1H871A, 1H871-CL, 1H884A, 1H884-CL, 1H906-CL, 1H907-CL, 1H908-CL, 1H910-CL, 1H922, 1H922-CL, 1H923, 1H923-CL, 1H924, 1H924-CL, 1H925, 1H925-CL, 1H933 and 1H933-CL or state variation. Product specifications and availability may vary by state.