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Because we beleive that everyone should be eligible for life insurance, we have designed simple and complete life insurance accessible to everyone. Alternative Life Insurance is suitable for everyone who wants to benefit from financial coverage in case of death and who doesn�t want to undergo medical examinations or whose health prevents them from purchasing regular life insurance.
Coverage for the first two years of the policy is limited to the amount of premiums paid plus 5% interest. In the event of Accidental Death, coverage is doubled as soon as the coverage takes effect.
Coverage amounts can range from $5,000 to $150,000 for ages 6 months to Age 80. Face amounts can be level, or indexed 3%/year to a maximum of 2 x Initial Face Amount.
Premiums may be paid for life, 10 years, 20 years, or up to Age 85 depending upon issue age.
Surrender Value and Paid-up Insurance
Available and guaranteed as soon as Year 4