Life Insurance
Level Term

If you become fully disabled (as defined) for a period of six months or more, we will waive premium payments while said disability continues. Should said disability be the result of dismemberment, as defined in the supplement, you are eligible for the benefit when the loss occurs.

We will pay a death benefit equal to the benefit payable by the policy up to a maximum of $200,000, if the death results from bodily injuries occurred through accidental means.

With this coverage you can insure other persons, including business partners, spouses, and children over 18 years of age.  The maximum coverage for these additional insured persons will not exceed that of the primary insured.  This benefit has the conversion privilege, as described in the basic policy.

It covers all your eligible children until they reach 24 years of age. This coverage also has the conversion privilege to switch to a permanent coverage.

It provides an established monthly income amount during the total disability period up to a maximum of 5 years or until age 65.  This benefit applies to the primary insured.

This benefit is available to our level term products of 20 and 30 years. It returns 100% of the premiums paid, including those of the supplements if you are alive upon expiration of the term. Should there be a cancelation before the policy’s term, the premium percentage is refunded as indicated in the table included in the insurance contract.

This supplement allows you an advance during your lifetime of up to 50% of the basic insurance amount or up to a maximum of $50,000, whichever is less, upon diagnosis of one of these conditions:

• Invasive cancer
• Noninvasive cancer
• Heart attack
• Stroke
• Renal failure
• Major organ transplant surgery
• Paralysis
• Blindness
• Terminal disease

This benefit allows you to an advance during your lifetime of up to 75% of the basic insurance amount or up to a maximum of $200,000, whichever is less, when life expectancy is lower than 12 months. This supplement is included for all insureds of the policy.

This benefit allows you to receive a lump sum from $1,000 to $50,000, per your selection, upon a positive diagnosis of cancer.

This benefit allows you to receive a lump sum from $1,000 to $30,000, per your selection, upon a positive diagnosis of a heart attack or the first major heart surgery. The first major heart surgery benefit is equal to 20 percent of the benefit for the first heart attack diagnosis.