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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

 

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 Universal Life   age 120 no lapse guarantee

$25,000 – $50,000  North American Company
$50,000 – $5,000,000  lowest premiums check by age

 

Life Insurance that pays for Long Term Care  

Nationwide: best LTC rider
North American Company

 

Indexed Universal Life 

North American Company
Penn Mutual

 

Guaranteed Universal Life with Return of Premium (ROP)

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

 

Guaranteed Indexed Universal Life

North American Company
Security Life of Denver  “Voya Indexed Universal Life – Guaranteed Death Benefit”

 

Universal Life

John Hancock  “Protection UL”

 

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

 

Guaranteed Survivorship Indexed Universal Life

Penn Mutual,  age 121 no-lapse guarantee option

 

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
National Producer #5534308
phone: (910) 328-0447
email: spdrummey@gmail.com