Executive Essential Life Insurance

The #1 Primary Asset

Life Insurance is the Foremost & Preeminent Financial tool you can own.

Life Insurance is Complementary to all other Assets.

Life Insurance Facilitates every process of Finance.

Life Insurance provides the highest earnings of all Stable and Fixed Assets.

Life Insurance Protects all other Assets.

Life Insurance is appropriate for every Age Demographic: Child or Youth, Young Adults, Middle Age and Seniors

Life Insurance is Applicable to all Premier Assets.

Life Insurance is a Deposit Account, also known as a Savings Account on steroids. Life Insurance Dominates other Savings Accounts with higher returns far better than the best stable or fixed bank accounts. The Availability in a Life Insurance Policy demonstrates a business’s ability to overcome adversity and its capacity for growth. Life Insurance can provide the necessary Down Payment to secure high ticket products or high value assets. Life Insurance Policies can be pledged as Collateral to satisfy all conditions for loan approvals.

Life Insurance provides a regulated Seasoned Account along with Seasoned Assets. Life Insurance promotes business funding with policy Availability establishing Business Equity. Life Insurance helps achieve a desired idea or a promise by fulfilling statutory requirements within the financial system. Life Insurance has no limitations, with its ability to convert to cash or liquid it is a Guarantee and a highly influential asset in the financial field.

Whole Life Plans:

Ultimate Preferred Whole Life

0-85 Non-smoking past 10 years - No health issues - Face Amount range $10,000-$30,000

Checking account through a Bank Service Plan. Applicants must have a primary care physician. Only one medication per condition accepted

Super Preferred Whole Life

0-85 Non-smoking past 5 years -No health issues - Face Amount range $5,000-$30,000

Only one medication per condition accepted.

Preferred Whole Life

0-85 with minor health issues Non-smoking past 12 months - Face Amount range $1,000-$20,000

*Standard Whole Life* (Most Popular)

0-85 - Face Amount range $1,000-$20,000

20 Pay Standard Whole Life

0-60 -Face Amount range $1,000-$20,000

Limited Benefits Plans:

Modified Whole Life

0-85 with a Face Amount range $1,000-$15,000

Return of premiums plus 10% during the first two (2) years of coverage. Return of the full Face Amount the third year and thereafter.

Easy Issue Whole Life

0-85 A few health questions - Face Amount range $1,000-$10,000

Return of premiums plus 10% during the first three (3) years of coverage. Return of full Face Amount the fourth year and thereafter.

Guaranteed Issue Whole Life

0-85 No health questions-Face Amount range $1,000-$10,000

Return of Premiums plus 10% for the first three (3) years. Return of full Face Amount the fourth year and thereafter.

Term Life Plans:

20 Year Term Life

20-65-Face Amount range $10,000-$50,000- No health restrictions

Return of Premium 20-Year Term Life

20-60- Face Amounts - $10,000- $20,000- $30,000- $40,000 and $50,000 (ONLY)

Non Tobacco Users. 100% Premiums paid back at the end of the 20 year term.

Term To Age 90

18-80- Premiums increase in 5 year age bands

Term To Age 100

50-75 for Nonsmoker- 50-70 for Smoker- Premiums increase in 5 year age bands after age of 80.

Riders and Other Available Options

Accidental Death Benefit Rider

Included in ALL Whole Life Policies (Double Indemnity)

This Rider provides an Accidental Death Benefit equal to the Whole Life Policy’s Face Amount.

Automatic Premium Loan Provision

Allows cash value to pay for the policy in case the payer is unable to make the payments for a certain period of time.

Child Rider

For Whole Life ( other than 20 pay ) and Term- $.40 per $1,000 in coverage per month.

Charitable Rider

Ability to designate a portion of their policy proceeds as a donation to their desired charitable organization.