SPGA Single Pay

• Full coverage from day 1
• Ages 0 – 99
• Min. face amount: $400
• Max. face amount: $15,000

FPGA Time Pay
SI or GI

• 1-year plan: ages 0 – 85
• 3-year plan: ages 0 – 85
• 5-year plan: ages 0 – 85
• Min. face amount: $1,000
• Max. face amount: $25,000

Standard Issue

• Full coverage from day 1
• 24-month contestability period
• Insured’s signature is required
• Health questions must be answered “no”
• Cost of insurance associated with this product

Guaranteed Issue

• Return of premiums paid plus 10% months 0 – 24
• Full coverage beginning on month 25
• Accidental death benefit months 0 – 24
• Cost of insurance associated with this product

FEIA Time Pay
PI or GI

• 10-year plan: ages 0 – 75
• 15-year plan: ages 0 – 70
• 20-year plan: ages 0 – 65
• Min. face amount: $1,000
• Max. face amount: $50,000

Preferred Issue

• Full coverage from day 1
• 24-month contestability period
• Insured’s signature is required
• Health questions must be answered “no”
• Cost of insurance associated with this product

Guaranteed Issue

• Return of premiums paid plus 6% months 0 – 24
• Full coverage beginning on month 25
• Accidental death benefit months 0 – 24
• Cost of insurance associated with this product