Product Details

Choose $25,000, $50,000, $100,000 Or $150,000 Valuable Insurance Protection. Your benefit will never be canceled throughout the policy period regardless of changes in your health or occupation as long as your premiums are paid on time. It's easy to apply. Just answer a few yes/no health questions. There is no time consuming questionnaire to answer and the application is easy to complete. Protection is a term-to-age-80 life insurance policy plus accidental death coverage† and is available with a $25,000, $50,000, $100,000 or $150,000 benefit.

† Policy Description: The base policy is a modified premium term-to-age-80 product. The initial term period can either be 1,2,3,4 or 5 years in duration, depending upon issue age. All renewal term periods begin at a 5-year plus one age (i.e. 21, 26, 31, 36…76) and will be 5 years in length except for the final term period. The final 4-year period, which will always begin at age 76, will expire and the policy will terminate at the policy anniversary following the insured's 80th birthday. The base policy face amount is one-fifth the total face amount of the policy. The balance of the policy is an Accidental Death Benefit rider. The full benefit will be paid for all causes of death resulting from a covered accident. The base policy benefit will be paid for deaths, which are not the result of a covered accident. The policy pays for all causes of death, except suicide, while sane or insane within the first two years the policy is issued.

• Exclusions For Accidental Death Rider: This policy does not cover death caused by: (1) Disease, sickness, bodily or mental infirmity, or medical or surgical treatment of same; (2) Suicide or intentionally self-inflicted bodily injury, while sane or insane (reference to insane not applicable in Missouri); (3) Being under the influence of any drug, narcotic, poison or gas unless taken on the advice of physician; (4) Service in the military, navy or air service of any country; (5) Participation in any speed contest; (6) Insured's intoxication (blood alcohol test of .10 percent weight by volume or higher); (7) Air travel as a pilot, student pilot or crew member; (8) Committing or attempting to commit an assault or felony; (9) Taking part in a riot, insurrection or terrorist act; or (10) Skydiving, hang gliding or hot air ballooning.