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Life/Disability

Individual Disability

Your most valuable asset isn’t your house, car or retirement account. It’s the ability to make a living. Disability insurance provides benefits that replace part of your lost income when you become unable to work due to illness or injury.

Term Life

Written for a term of 5, 10, 15, 20 or 30 years. Term insurance is the least expensive way to purchase a substantial death benefit per premium dollar.

Whole Life

Provides the most basic type of permanent life insurance, which offers the certainty of a guaranteed death benefit, level premium payments that are guaranteed for the life of the policy and a cash value stated up front.

Universal Life

Offers flexible permanent life insurance with the low-cost protection of term life insurance as well as a savings element, which is invested and may provide a cash value buildup. Death benefit, savings element and premiums can be reviewed and altered as policyholders’ circumstances change.

Single Premium Life

Includes a single lump sum premium payment to obtain an insurance policy with a death benefit guaranteed to remain paid up for the rest of the insured’s life. The size of the death benefit depends on the amount paid into the policy and the age and health of the insured. Allows your client to maximize the value of their estate, transfer wealth to a beneficiary income tax-free, while avoiding probate, and offers liquidity to cover expenses in later years.


Life Insurance Companies

When shopping premiums on like term guidelines call for a comparison quote. Companies most likely to be quoted for their competitive rates are:

Direct Contracts

Company Listing
Cincinnati Life Insurance Co.

Rating A+
Cincinnati, OH
www.cinfin.com

EMC National Life

Rating A-
Des Moines, IA
www.emcnationallife.com

United Life Insurance Co.

Rating A-
Cedar Rapids, IA
www.unitedlife.com

Additional Companies

Company Listing
American General Life Co.

Rating A

Assurity Life Insurance Co.

Rating A-

Banner Life

Rating A+

Gerber Life Insurance Co.

Rating A

John Hancock

Rating A+

Lincoln Financial Group

Rating A-

Mutual of Omaha

Rating A+

Nationwide

Rating A+

Oxford Life Insurance Co.

Rating A

Pacific Life

Rating A+

Protective Life Insurance Co.

Rating A+

Prudential

Rating A+

SBLI (Savings Bank Mutual Life Insurance Co. of Massachusetts)

Rating A

symetra

Rating A

Transamerica

Rating A

 


Disability Insurance Companies

Company Listing
Cincinnati Life Insurance Co.

Rated A+

Illinois Mutual Life Insurance Co.

Rated A-

Principal

Rated A+

United Life Insurance Co.

Rated A-


Life Insurance Forms

Forms

Contact Us

For life/disability questions, contact us at (800) 532-1423.

Meet the team

Don Easte

Don Easter, FLMI, CLU

Assistant VP/Territory Manager
Michelle Smith18

Michelle Smith, ACS, ALMI

Assistant Marketing Representative