Universal Life Provides insurance coverage while building cash values and tax-deferred interest accumulation. Universal Life has a great deal of flexibility, particularly when variable amounts of premium at variable intervals are required. Various riders are available, including Convalescent Care. Whole Life Provides permanent protection, guaranteed cash value, and dividends, with a premium that remains constant.
Whole Life is useful when a life insurance program with fixed values is desired.
A simplified issue whole life plan designed to take care of final expenses. Term Provides insurance protection, at a lower premium, with no cash value accumulation. It is useful when a member has a temporary or declining need. Viking 23 Designed for any youth through age 17, this product features life insurance protection, a single payment at issue, and a guaranteed conversion to Whole Life at age 23. Many parents and grandparents will give this gift of heritage to their children and grandchildren.