Mortgage Protection Plan Features

1. Choice of Beneficiary: With the plan that you choose, you decide who receives the proceeds from the program in the event of death. At such time, the beneficiary has several options.
Three of which are:

- Pay off the mortgage in one lump sum;

- Invest the benefit and continue to make payments;

- Use the proceeds to relocate to a different home.

2. Portable: If you sell your home and buy another, or refinance your present home, this plan will simply move with you to continue to protect your next mortgage. Regardless of how many times you move, you will never need to qualify for another plan or risk losing the one that you have.

3. Death Benefit Remains Level: The death benefit remains level for the length of your policy and the premiums remain the same.

4. Unemployment: Should you unwillfully lose employment, we will pay six months of your premium after a one month elimination period.

5. No Medical Exam: There is no medical examination up to $250,000 in death benefit if you have financed your house within the last thirteen (13) months.

6. Money Back Option: You have the option of receiving a refund on all of the premiums that you paid into the program if you live.

7. Disbility: This feature will pay your mortgage payments if you become disabled for a period of up to 2 years.

8. Waiver of Premium: Another disability feature, this option will pay your premium if you should become disabled.

9. Children's coverage: This benefit will provide up to $10,000 in term inusurance for all children in the family less than 18 years of age; all for one small sum monthly premium. This coverage can also be converted to a permanent plan of insurance equal to five times the original amount without proof of insurability once the child reaches the age of 25 years.

10. Accidental Death: In the event that you die of an accident, your death benefit will be doubled up to $250,000.

 

    Product Specification

Issue Ages - Level Term (age last birthday)
    10 Year 20-60
    15 Year 20-60
    20 Year 20-55
    25 Year 20-50
    30 Year 20-60

Issue Ages - Decreasing Term (age last birthday)
    15 Year 20-60
    20 Year 20-55
    25 Year 20-50
    30 Year 20-45

Minimum Face Amount
    $25,000

Maximum Face Amount
    None

Riders
    Money Back Rider
    Accidental Death Benefit
    Disability Protection
    Wavier of Premium
    Unemployment Protection
    Critical Illness
    Mortgage Co-Holder
    Childīs Rider
    Ultimate Income (Level Term Only)

(Riders may not be available in all states.)

Rates
    Unisex
    Smoker/Nonsmoker

Renwal Period
    To age 95

Grace Period
    31 Days

For more information or to speak with an agent call us toll free at 1-877-572-5726 or apply online now and we will contact you within 24 hours to render a private consultation and to assist you with your needs, questions, or any concerns that you may have.

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