Lifetime protection with the potential to have credited interest linked in part to the market.
Walk away with refund of premium anytime.

A NO-OBLIGATION, FREE CONSULTATION AND AN INSTANT QUOTE

Single premium universal life insurance with equity index option offers return of premium at any time during the policy.

CONSIDER USING SINGLE PREMIUM UNIVERSAL LIFE INSURANCE WHEN PLANNING FOR:

The Account Balance is the accumulation of the premium payments, the crediting of both Fixed Interest and Index Interest, less deductions for cost of insurance, expenses, rider costs, and partial surrenders and partial surrender charges. The Cash Value is available for partial surrender and Loans. The Surrender amount is the Cash Value. Any Index Interest is linked in part to the values of the Standard & Poor’s 500® Composite Stock Price Index (which excludes dividends). The policy does not participate in any stock, bond, or equity investments.

Return of Premium Rider

This rider is automatically included in your single-pay policy. It provides the return of your premium for any reason, no questions asked. Your return of premium value will be adjusted by any partial withdrawals, loans and loan interest, and rider benefits paid to you. Exercising the rider will terminate your policy. Get your money back when you need it—at any time, for any reason.

A NOTE ON MEC
A single premium life insurance policy is always a modified endowment contract (MEC). , which simply means that your life insurance policy will be treated as a qualified plan such as, IRA, 401K, SEP or 403(b); and will incur the same penalties if you withdraw any available cash value.

An example Single Premium Lifetime coverage with Return of Premium

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Single Premium Universal Insurance

When cash accumulation in a life insurance plan is not important; when all you want is to leave a legacy of financial cushion for those you love and who depend on you; when you want a guaranteed coverage for a lifetime, single premium universal life insurance brings you the most for your buck. Remember, the best life insurance plan is the one that fulfills your need.

Life insurance rates

REAL TIME LIFE INSURANCE RATES