Live For Today, Plan For Tomorrow

What can be easier than making only one payment. You can cross life insurance off your to-do list with the knowledge that your family’s finances are rendered secure. Single-Premium Whole Life1 is the “one and done” policy that offers lifetime protection with the ease of a single premium payment. It’s also a great gift for the child in your life. What’s more, you’ll also give back to your community, because 1891 Financial Life devotes a portion of your purchase to fund vital social, educational, and volunteer programs right in your own backyard.

Product Specs

Check out a brief overview of our Lifetime Protection products.
  • Available for ages from 0 – 85.
  • Policy amounts available from $15,000 to $4 million
  • A single premium payment provides lifetime protection; avoid monthly payments or the worry about the policy accidentally lapsing.
  • Guaranteed death benefit is payable to beneficiaries tax-free2 without going through probate
  • Cash value accumulates over time, offering growth
  • Borrow against the policy’s accumulated cash value if needed3
  • Should dividends4 be payable they can be paid to you in cash, used to purchase more coverage, or left in the policy for additional growth with guaranteed interest
  • As an 1891 policyholder, receive member access to a host of soul-inspiring community events, programs, volunteer efforts, and service projects, plus benefits including grants, scholarships, money-saving prescription benefits, subscriptions, and much more
  • Optional Riders5
    • 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.

FAQs

How do I make a death benefit claim?

When this happens, please call our Home Office at 1-800-344-6273 and ask for the Claims Department. Or if you prefer, you can complete and mail this form to the address provided.

Can I use my dividends to pay my premium?

Sure—as long as you have what is called a “participating policy,” as the policyowner you can opt to apply the earned dividends toward the premium payment. Just call our Home Office at 1-800-344-6273 for details.

In the future, can I add to my insurance without having to provide additional medical information?

With the purchase of the optional Guaranteed Issue Option rider, you’ll have the option to purchase additional insurance without providing any additional medical information.

Does my policy have any loan privileges?

Single Premium Whole Life policy offers an accumulated cash value feature, so as the policyowner, you can borrow against the policy’s cash value if you need to. Just call our Home Office at 1-800-344-6273 for details or complete and return this form.

DISCLOSURE

Subject to change. Product/features may not be available in all states. This web page is not a contract; see policy forms for full details.
Guarantees backed solely by claims-paying ability of 1891 Financial Life.
1ICC13WL Plan Series.
2Death benefit is typically tax-free, consult your tax advisor.
3Loans against the policy will reduce the death benefit.
4Dividends are not guaranteed. If available, payable on the policy anniversary. Payment not prorated.
5Rules and restrictions apply to each rider; availability may vary. Not all riders are available in all states.