ACCELERATED UNIVERSAL LIFE

One product can now fulfill all your universal life needs.


At face amounts up to $500,000, Accelerated Universal Life offers access to the latest underwriting technologies, providing fully underwritten results with lightning fast decisions. If you are seeking higher benefit amounts, AUL provides a traditional underwriting process.

Accelerated Universal Life Highlights:
  • Issue ages 18-85
  • 20-year no lapse guarantee*
  • Benefit amounts **
      Accelerated underwriting up to $500,000
      Traditional underwriting from $500,001+
  • No exam or labs required for qualified insureds utilizing accelerated underwriting
  • Accelerated process saves on underwriting time and features competitive fully underwritten rates
  • Traditional underwriting is great for business accounts needing larger benefit amounts for key person insurance or buy/sell agreements
  • All six underwriting classes are available for benefit amounts greater than $50,000

* Shorter guarantees if issue age greater than 60
** Depending on the applicant’s issue age



ACCELERATED WHOLE LIFE

Designed for speed and convenience.

Accelerated Whole Life features automated methods of gathering applicant information resulting in a quicker application process, faster underwriting and rapidly issued polices. Using smart data, we allow applicants to bypass medical requirements while retaining competitive rates.

Accelerated Whole Life Highlights:

  • Issue ages 18-80
  • Benefit amounts of $25,001 to $250,000 based on the applicant’s issue age
  • Payment period options of continuous pay, 5-Pay, 10-Pay and 20-Pay
  • No medical exam required
  • Potential to receive an offer in as little as two business days
  • Great for people looking for affordable level premium for the rest of their lives



EASY CHOICE WHOLE LIFE

The power of peace of mind.

Planning for final expenses, covering debts and leaving a legacy are stressful decisions many people avoid. However, making choices about these matters does not have to be difficult. Easy Choice Whole Life is intended to provide quick and easy coverage for long-term needs.

Easy Choice Whole Life Highlights:

  • No medical exams
  • Simplified underwriting
  • Short form application
  • Issue ages 18-80
  • Coverage amounts from $5,000 - $50,000
  • Guaranteed cash values, level death benefit and level premiums
  • Accelerated Death Benefit and Seat Belt Benefit Riders included at no additional cost—subject to state approval


Term Select

GUARANTEED INCREASING Whole Life

Gain confidence with guarantees.

Point-of-Sale Guaranteed Increasing Whole Life is designed to help cover final expenses, such as the costs associated with funeral and burial expenses. In addition, it can help cover other financial obligations that may be incurred at the death of a loved one, such as car loans, student loans or credit card debt.

Point-of-Sale Guaranteed Increasing Whole Life Highlights:

  • Multiple guarantees: Increasing death benefit, level premiums and cash values
  • Immediate underwriting decision provided by the end of the phone call
  • Coverage amounts from $2,000 - $150,000
  • No medical exam
  • Issue ages 18-85
  • Accelerated Death Benefit Rider and Seat Belt Benefit Rider available, in states where approved



YOUTH WHOLE LIFE

Provide the gift of a lifetime.

Youth Whole Life provides protection for a lifetime at a guaranteed fixed price.

Youth Whole Life Highlights:

  • Guaranteed death benefit, cash values and premiums
  • Coverage amounts from $2,000 - $50,000
  • Options for the future (surrender cash values or reduced paid-up insurance)
  • Several payment options: continuous pay, 5-pay or single pay
  • Accelerated Death Benefit Rider, Seat Belt Benefit Rider and Additional Paid-Up Insurance Rider available, in states where approved



LEVEL WHOLE LIFE - SINGLE PREMIUM

Protect the money you have earned and transfer funds to your children or grandchildren.

Level Whole Life is designed to provide an alternative to CDs and annuities by providing an income tax-free way to transfer money to future generations or a favorite charity.

Level Whole Life Highlights:

  • Guaranteed death benefit and cash values
  • Liquidity in case of an emergency
  • Competitive return on investment
  • Issue ages 18-85
  • Faster underwriting decisions for face amounts below $250,000
  • Accelerated Death Benefit and Seat Belt Benefit Riders included at no additional cost



Level Whole Life - Continous Pay

Your need for life insurance changes as your life changes.

Level Whole Life offers flexibility traditionally not found in whole life products, while still providing lifetime protection that is fully guaranteed.

Level Whole Life Highlights:

  • Guaranteed death benefit and cash values
  • Covers both short and long-term needs
  • Issue ages 18-60 - benefit amount $250,001+
  • Issue ages 61-85 - benefit amount $100,001+
  • Additional Paid-Up Insurance Rider, Waiver of Premium Disability Benefit Rider, Term Insurance Rider for Children, Accelerated Death Benefit Rider and Seat Belt Benefit Rider available, in states where approved



INCREASING WHOLE LIFE

Reduce the burden of final expense costs.

Increasing Whole Life is designed to provide a guaranteed increasing death benefit and superior cash values while maintaining a guaranteed level premium.

Increasing Whole Life Highlights:

  • Death benefit that is guaranteed to increase until it doubles in year 29 (death benefit remains level after year 29)
  • Coverage amounts as low as $2,000
  • Guaranteed increases help keep up with rising funeral costs
  • Additional Insured Term Rider, Waiver of Premium Disability Benefit Rider, Term Insurance Rider for Children, Total Disability Income Benefit Rider, Term Insurance Rider with Accelerated Benefit (CI Rider), Accelerated Death Benefit Rider and Seat Belt Benefit Rider available, in states where approved



Disability Income Rider

You insure assets such as your home and car, but your most important asset is your ability to earn an income.

The Disability Income Rider can be added to your new individual term, universal or whole life insurance policy to help protect you and your loved ones from loss of income due to disability or death.

Disability Income Rider Highlights:

  • Maximum benefit amount of 1% of total face amount up to $5,000 per month
  • Insured is totally disabled if unable, due to sickness or injury, to perform all of the material and substantial duties of his or her regular occupation
  • Benefits are not coordinated with Social Security or Workers' Compensation
  • Elimination period options of 30, 60 or 90 days before benefits are paid
  • Benefit period up to two years
  • Terminal Illness benefit