We offer Viva Life ... a simplified issue level term policy that provides term life coverage up to $250,000. No medical exam is required, you qualify by answering only four health related questions. Viva Life also offers two optional riders, Children's Term Insurance which provides $10,000 of term life coverage on each child no matter how many children in the family and Return of Premium which returns all of the premiums paid to the policyowner at the end of the term period if all insureds are alive.
Viva Critical Choice
We offer Viva Critical Choice ... a simplified issue level term policy that provides term life coverage up to $100,000. No medical exam is required, you qualify by answering only four health related questions. Viva Critical Choice also offers a First Occurrence Critical Illness rider which offers a critical illness benefit which is 50% of the death benefit.
Mortgage Protection Insurance (MCI Gold)
We offer Mortgage Protection Insurance (MCI Gold) ... a simplified issue level term policy that provides term life coverage up to $250,000. No medical exam is required. Dad, mom and the children can all be covered in the same policy. If you wish, the beneficiary can be your mortgage lender so if a death would occur, the death benefit would be payable to the mortgage lender to protect the family's home. It is also possible with some mortgage lenders to add your Family Life premium to your mortgage bill so you only have one payment to make every month.
Family Protection Select and Premier
We offer Family Protection Select and Premier ... these products are for individuals that need higher amounts of coverage. Family Protection Select is term life coverage and Family Protection Premier is a whole life product. These products can provide a death benefit up to $3,000,000. Medical underwriting is required.
Our friendly customer service staff is available to assist you during regular business hours. You can also access information about your policy any time from our web site. Our business hours are Monday through Friday from 8:00a.m. to 5:00 p.m. CST.