This product, also known as Traditional Life or Ordinary Life is a blend of protection and cash value life insurance. It can be purchased in tailor-made amounts to suit your budget and your needs and contains the following features:

• Provides life-time insurance protection up to age 100 and is therefore referred to as permanent insurance.
• Provides a savings element as your policy builds cash value.
• Level premiums throughout the duration of the policy.
• Coverage starts at $50,000 and can exceed $500,000.00.
• The more coverage you select, the less expensive it becomes.
• Three available options – Classic, Advantage and Premier
• Riders include Waiver of Premium and Accidental Death and Dismemberment.
• Participating and Non-Participating options are available. i.e. Participating policies receive a policy dividend while Non-Participating policies do not.
• it is available as Limited Pay to age 65. With this option persons pay premiums up to age 65 but have coverage up to age 100. This is a very viable option for persons who do not want to pay premiums during retirement as one’s income is usually lower during this period of life.