Whole Life

We know one size doesn't fit all, so we offer Genesis Life, a whole life insurance product that can be adapted to meet your financial needs and goals. Genesis Life offers all the features of a traditional whole life product with added features such as flexible premium payment options.

Features

• Issue ages: 0-85 
• Dividend Options 
• Underwriting classes include Super Preferred Non-Tobacco, Preferred Non-Tobacco, Standard Non-Tobacco, Preferred Tobacco and Standard Tobacco but vary based on policy face amount.
• Policy loans and withdrawals¹ 
• Flexibility: you can choose how to structure your premium payments
• Pay more than the minimum required premium and watch your policy value grow!
• You can return to only paying the minimum required premium. (You're covered as long as minimum premiums are paid.)
• You can structure your policy so it is paid up after 10, 15 or 20, or any number of years you want. 

Optional Riders

• Accelerated Death Benefit Rider
• Fraternal Legacy Rider
• Guaranteed Purchase Option Rider
• Single Premium Additional Paid-up Life Insurance Rider
• Additional Paid-up Life Insurance Rider
• Paid-up Additions Rider
• Waiver of Required Minimum Premium Rider
• Waiver of Specified Premium Rider
• Disability Income Rider

¹Policy loans or withdrawals reduce the death benefit and cash accumulation and could also reduce coverage duration.

View full product disclosures here.

Features

• Issue Ages: 0-85
• Issue Age Face Amount: $25,000
• Insurance classes (underwriting classes): Standard Non-Tobacco and Standard Tobacco
• Dividend options
• Policy loans and withdrawals¹

Optional Riders

• Accelerated Death Benefit Rider
• Guaranteed Insurability Option Rider
• Single Premium Additional Paid-Up Life Insurance Rider
• Waiver of Premium Rider

¹Policy loans or withdrawals reduce the death benefit and cash accumulation and could also reduce coverage duration.

View full product disclosures here.