Senior Life Insurance

Whole life insurance issued on a simplified basis. The insured does not have to take a doctors physical or do blood or other tests. Then insurance is issued after answering a few simple health questions. Even if the client has some common health issues in most cases immediate coverage is available. In the circumstances where a client may not qualify for immediate coverage modified plans or guarantee issue plans are available. These plans are very affordable and avoid the lengthy underwriting process associated with fully underwritten plans. Whole life plans;

• Cannot be canceled as long as premiums are paid
• Benefits cannot be decreased
• Coverage lasts your whole life (permanent)
• Builds cash value over time with can be utilized by borrowing from the policies cash value
• No physical exam
• Accidental Death Benefit rider avail on  standard plans
• Death benefits paid within 48 hours in most cases
• Child and grandchild term riders available with some carriers