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call: (910) 328-0447
contact me

 

 

Best Products and Lowest Premiums

 

Term

American National  “ANICO Signature Term”
best for its living benefits: chronic and critical illness acclerated benefits

Protective “Custom Choice UL”  for guarantees after level benefit period

 

Guaranteed Universal Life

$25,000 – $50,000 North American Company
$50,000+  lowest premiums check by age
$100,000+  guaranteed cash value American General

 

Guaranteed Universal Life with Return of Premium (ROP) option:

American National
Symetra
United of Omaha: ROP policy anniversary 15, 20, 21, 22, 23, 24, 25
American General

 

Indexed Universal Life 

Lincoln National Life
North American Company
Penn Mutual

 

Universal Life

John Hancock  “Protection UL”   outperforming crediting rates

 

Life Insurance that pays for Long Term Care  
North American Company
Nationwide
Lincoln National Life  “MoneyGuard Reserve Plus®”
North American (annuity)

 

Survivorship Life Insurance (Second To Die Insurance)

$250,000+  Prudential   “Prudential PruLife SUL Protector”
$100,000+  American General “Secure Survivor GUL” – guaranteed cash value

Survivorship with Long Term Care Benefit:  Nationwide

 

Whole Life 

$3,000+  United of Omaha: simplified issue, no blood test
$25,000+ MassMutual: dividends, cash value accumulation
Single Premium Whole Life  Assurity Life

Guaranteed Acceptance   Modified Benefit Whole Life, no health questions

$5,000+   Gerber Life

 

Return of Premium Term 

American General
Prudential

 

Cigar, pipe, nicotine patch, nicotine gum, electronic cigarettes 

Prudential

Tobacco users who have quit or plan to quit

 

Contact me for a free and strictly confidential quote

life insurance recommendations
Licensed Agent: Sean Drummey
phone: (910) 328-0447
email: spdrummey@gmail.com