Independent Sales Division—Product Portfolio
The Independent Sales Division's product portfolio has been carefully tailored to meet the needs of specific market categories. Our portfolio includes:
Senior Life Insurance Products
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Silver Guard Series of simplified issue whole life products to provide a benefit to pay final expenses. Small face amount, permanent whole life coverage appropriate for final expenses and debt elimination. All plans provide guaranteed benefits and guaranteed premiums. Simplified issue, easy to apply for coverage. Available ages 40 to 80. (Policy forms 4082S Par; 6071 NonPar)
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Accumulator is a universal life insurance policy available on a single premium or a limited premium basis suitable for individuals looking to avoid the high costs of probate by passing assets on a tax-advantaged basis to beneficiaries. Excellent alternative to certificates of deposits and tax-deferred annuities. Underwritten from a full application with medical questions, but, typically no blood, urine or exam and available for ages 0 to 85 . (Policy form 3508S)
Life Insurance Protection Products for All Ages
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Life Ledger XII,
a universal life insurance policy that offers premium flexibility. Suitable for larger face amount needs such as debt elimination, mortgage protection, and income continuation. Fully underwritten and available for ages 0 to 80. (Policy form 3741S)
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Term Insurance, Level Term policy offering term periods of 10, 15, 20 or 30 years and Decreasing Term policy offering term periods of 15, 20 or 30 years to ensure your family's future through financial protection against the burden of debt. Face amounts starting at $50,000, fully underwritten and available for ages 19 to 70 based on term and face. Offering optional riders such as children's insurance benefit rider, disability waiver of premium rider and accidental death benefit rider. (Policy forms 7916, 7917 and 7918)
Income Continuation Products
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Reversionary Annuity (Stewardship Annuity)
The Reversionary Annuity is a unique life insurance policy that guarantees a monthly income to a beneficiary following the death of an insured. Because of its patented design, the Reversionary Annuity is an ideal product for a variety of planning needs, such as pre-retirement planning, care-giving support, post-retirement planning, re-marriage and divorce, and other business and estate planning situations. (Policy form 6639S)
 Accumulation Products
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Accumulator Plus is a flexible premium deferred annuity. As such, it allows for subsequent premium payments. It offers a Nursing Home Rider, a Terminal Illness Rider, and an Interest Index Rider (which establishes the minimum interest rate). These riders are available at an additional premium. It can also accommodate the regular payout of the earned interest. (Policy form 4246S)
For additional product information, please contact the Independent Sales Division at (800) 628-5433 and speak with Rosemarie Bernarding on extension 6637.
For independent marketing opportunity information, please contact the Independent Sales Division at (800) 628-5433 and speak with Larry Green on extension 6625.
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