The Heart Of What We Do Protects The Ones You Hold Dear

Choosing a life insurance plan isn’t a decision made lightly. It’s one of the most important life-affirming acts you will ever make for your loved ones. This decision will protect them from financial hardship should something unexpected happen to you. In fact, a literal lifetime of unknowns can be addressed with the right choice of life insurance products. The chart here lets you see at a glance how the choices compare.

Product Choose it Because... Premium Payments
Stay Fixed
Throughout?		 Guaranteed Cash Value Feature Choice of Premium
Payment Options (Monthly Electronic Funds Transfer /Quarterly/Annually)

Simplified Issue Single Premium Whole Life1

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  • Convenient, simple
  • No medical exam, no needles
  • Coverage within days
  • One premium payment offers lifetime protection
  • Cash value accumulates
  • Tax-free death benefit5
  • Borrow against policy’s cash value
 N/A Yes N/A

Simplified Issue Whole Life2

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  • Convenient, simple
  • No medical exam, no needles
  • Coverage within days
  • Cash value accumulates
  • Tax-free death benefit5
  • Borrow against policy’s cash value
 Yes Yes Yes

Single Premium Whole Life1

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  • One premium payment offers lifetime protection
  • Cash value accumulates
  • Tax-free death benefit5
  • Borrow against policy’s cash value
 N/A Yes N/A

10-Pay Whole Life2
20-Pay Whole Life2

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  • Premiums don’t increase
  • Select payment period (10 or 20 payments) offers lifetime protection
  • Cash value accumulates
  • Tax-free death benefit5
  • Borrow against policy’s cash value
 Yes Yes Yes

Ordinary Cash Value Whole Life (Limited Pay to Age 100)2

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  • Level premium payments keep the policy active and offers a lifetime of protection
  • Cash value accumulates
  • Tax-free death benefit5
  • Borrow against policy’s cash value
 Yes Yes Yes

Cash Value Whole Life (Limited Pay to Age 75)2

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  • Level premium payments end at age 75 and policy is paid up, offering a lifetime of protection
  • Cash value accumulates
  • Tax-free death benefit5
  • Borrow against policy’s cash value
 Yes Yes Yes

Juvenile Term Life4

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  • 2 Face Amounts: $18,910 and $50,000
  • Inforce through age 26 as long as premiums are paid
  • Level premium payments until end of policy term
  • Guaranteed death benefit is payable to beneficiaries tax-free5
  • May elect to convert prior to age 26 without evidence of insurability to an amount of up to $100,000 in coverage
 Yes No Single Pay or Annual

10-, 20-, 30-Year Term Insurance3

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  • Level premium payments until end of policy term
  • Renewable in one-year increments up to age 95 at the end of the level premium period
  • Guaranteed death benefit is payable to beneficiaries tax-free5
  • May elect to convert to a Permanent Cash Value Life policy within first 10 years of policy without evidence of insurability
 Yes No No

Policy Riders

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Simplified Issue Whole Life and Single Premium Whole Life

  • Living Benefits Rider: allows you to access a portion of your death benefit if you are diagnosed with a qualifying serious illness. Available with no additional premium. CLICK HERE for details.
  • Charitable Giving Benefit Rider (CGBR) allows a specified percentage of the death benefit to be paid to an eligible 501(c)(3) charity and 1891 Financial Life will match the amount paid to the charity, up to $2,500.

Single Premium Whole Life

  • Living Benefits Rider: allows you to access a portion of your death benefit if you are diagnosed with a qualifying serious illness. Available with no additional premium. CLICK HERE for details.
  • Guaranteed Issue Option (GIO) allows you to purchase an additional permanent insurance certificate at certain ages (also known as option dates)and life events without proof of insurability. The GIO Rider is available to age 37, from $15,000 – $50,000. The benefit may not exceed face amount.
  • Charitable Giving Benefit Rider (CGBR) allows a specified percentage of the death benefit to be paid to an eligible 501(c)(3) charity and 1891 Financial Life will match the amount paid to the charity, up to $2,500.

10-Pay Whole Life

  • Living Benefits Rider: allows you to access a portion of your death benefit if you are diagnosed with a qualifying serious illness. Available with no additional premium. CLICK HERE for details.
  • Waiver of Premium should you become totally disabled as a result of a disease or bodily injury, with the policy remains in force as long as your disability lasts, protection up to age 65. Issue to age 55.
  • Accidental Death Benefit (ADB) in the event your death is caused directly by accidental bodily injury, your beneficiary will be paid an additional benefit up to $250,000. The ADB Rider is available to age 60, with protection to age 65.
  • Guaranteed Issue Option (GIO) allows you to purchase an additional permanent insurance certificate at certain ages (also known as option dates) and life events without proof of insurability. The GIO Rider is available to age 37, from $15,000 – $50,000. The benefit may not exceed face amount.
  • Level Term Insurance (LTI) for 10 years, benefit available is $50,000 up to five times the face amount of the Whole Life certificate to a maximum of $4M in term rider coverage. Convertible through the 10th year. The 10-Year LTI Rider is available for ages 18-60.
  • Charitable Giving Benefit Rider (CGBR) allows a specified percentage of the death benefit to be paid to an eligible 501(c)(3) charity and 1891 Financial Life will match the amount paid to the charity, up to $2,500.

20-Pay Whole Life

  • Living Benefits Rider: allows you to access a portion of your death benefit if you are diagnosed with a qualifying serious illness. Available with no additional premium. CLICK HERE for details.
  • Waiver of Premium should you become totally disabled as a result of a disease or bodily injury, with the policy remains in force as long as your disability lasts, protection up to age 65. Issue to age 55.
  • Accidental Death Benefit (ADB) in the event your death is caused directly by accidental bodily injury, your beneficiary will be paid an additional benefit up to $250,000. The ADB Rider is available to age 60, with protection to age 65.
  • Guaranteed Issue Option (GIO) allows you to purchase an additional permanent insurance certificate at certain ages (also known as option dates) and life events without proof of insurability. The GIO Rider is available to ages 37 and younger, from $15,000 – $50,000. The benefit may not exceed face amount.
  • Level Term Insurance (LTI) for 10 or 20 years, benefit available is $50,000 up to five times the face amount of the Whole Life certificate to a maximum of $4M in term rider coverage. Convertible through the 10th year. The 10-Year LTI Rider is available for ages 18-60 and the 20-Year LTI Rider is available for ages 18-50.
  • Charitable Giving Benefit Rider (CGBR) allows a specified percentage of the death benefit to be paid to an eligible 501(c)(3) charity and 1891 Financial Life will match the amount paid to the charity, up to $2,500.

Ordinary Cash Value Whole Life Pay to Age 100

  • Living Benefits Rider: allows you to access a portion of your death benefit if you are diagnosed with a qualifying serious illness. Available with no additional premium. CLICK HERE for details.
  • Waiver of Premium should you become totally disabled as a result of a disease or bodily injury, with the policy remains in force as long as your disability lasts, protection up to age 65. Issue to age 55.
  • Accidental Death Benefit (ADB) in the event your death is caused directly by accidental bodily injury, your beneficiary will be paid an additional benefit up to $250,000. The ADB Rider is available to age 60, with protection to age 65.
  • Guaranteed Issue Option (GIO) allows you to purchase an additional permanent insurance certificate at certain ages (also known as option dates) and life events without proof of insurability. The GIO Rider is available to ages 37 and younger, from $15,000 – $50,000. The benefit may not exceed face amount.
  • Level Term Insurance (LTI) for 10 or 20 years, benefit available is $50,000 up to five times the face amount of the Whole Life certificate to a maximum of $4M in term rider coverage. Convertible through the 10th year. The 10-Year LTI Rider is available for ages 18-60 and the 20-Year LTI Rider is available for ages 18-50.
  • Charitable Giving Benefit Rider (CGBR) allows a specified percentage of the death benefit to be paid to an eligible 501(c)(3) charity and 1891 Financial Life will match the amount paid to the charity, up to $2,500.

Cash Value Whole Life Insurance Limited Pay to Age 75

  • Living Benefits Rider: allows you to access a portion of your death benefit if you are diagnosed with a qualifying serious illness. Available with no additional premium. CLICK HERE for details.
  • Waiver of Premium should you become totally disabled as a result of a disease or bodily injury, with the policy remains in force as long as your disability lasts, protection up to age 65. Issue to age 55.
  • Accidental Death Benefit (ADB) in the event your death is caused directly by accidental bodily injury, your beneficiary will be paid an additional benefit up to $250,000. The ADB Rider is available to age 60, with protection to age 65.
  • Guaranteed Issue Option (GIO) allows you to purchase an additional permanent insurance certificate at certain ages (also known as option dates) and life events without proof of insurability. The GIO Rider is available to ages 37 and younger, from $15,000 – $50,000. The benefit may not exceed face amount.
  • Level Term Insurance (LTI) for 10 or 20 years, benefit available is $50,000 up to five times the face amount of the Whole Life certificate to a maximum of $4M in term rider coverage. Convertible through the 10th year. The 10-Year LTI Rider is available for ages 18-60 and the 20-Year LTI Rider is available for ages 18-50.
  • Charitable Giving Benefit Rider (CGBR) allows a specified percentage of the death benefit to be paid to an eligible 501(c)(3) charity and 1891 Financial Life will match the amount paid to the charity, up to $2,500.

10-, 20-, 30-Year Term Life Insurance

  • Living Benefits Rider: allows you to access a portion of your death benefit if you are diagnosed with a qualifying serious illness. Available with no additional premium. CLICK HERE for details.
  • Waiver of Premium should you become totally disabled as a result of a disease or bodily injury, with the policy remains in force as long as your disability lasts, protection up to age 65. Issue to ages 18-55.
  • Accidental Death Benefit (ADB) in the event your death is caused directly by accidental bodily injury, your beneficiary will be paid an additional benefit up to $250,000. The ADB Rider is available for ages 18-60, with protection to age 65.

DISCLOSURE

Subject to change. Products/features may not be available in all states.
1 ICC13SPWL Plan Series.
2 ICC13WL Plan Series.
3 ICC07CE-TRM Plan Series.
4 ICC21-JVT26 Plan Series.
5 Death benefit is typically tax-free, consult your tax advisor.