INDUSTRY LEADING
Final Expense Plan

The SIMPL Final Expense Portfolio offers three options to help meet your client’s financial needs. Availability of these options are based on their health status at the time of the application.

SIMPL (Preferred and Standard):
SIMPL Preferred and Standard offer a level death benefit from the date of issue. Accelerated death benefit is also offered at no extra cost, it provisions to help offset the expense of Terminal Illness (certified to have a life expectancy of less than 24 months) or Chronic Illness (certified by a physician), subject to the terms and conditions for the rider.1 Upon a qualifying event, up to 80% of the death benefit may be paid directly to the insured.2 If you are fortunate enough to never use this feature, the full SIMPL death benefit will pass unreduced to beneficiaries.

For individuals who cannot qualify for a SIMPL policy, our Modified Whole Life Policy (MWL) may be an alternative. Modified Whole Life is a final expense life insurance policy issued for those applicants with more complex medical issues.

MODIFIED WHOLE LIFE:
Our Final Expense portfolio offers a modified death benefit as follows: During the first 3 years, if death occurs as a result of an accident, the death benefit is 100% of the policy face amount.2 The non-accidental death benefit is equal to a refund of all premiums paid to date, plus 10% compounded. During the 4th year, the death benefit is 100%; followed by 105% in the 5th year; and 110% in the 6th year and thereafter.

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1.Additional terms and condition may apply. See rider form ICC16-LBL-LPL-ADBR or lCC16-CLIC-LBL-ABDR for complete details.

2 Note: There are exclusitons to the Accidental Death and Dismemberment rider.