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Living Promise®
Whole Life

Children's
Whole Life

 

Living Promise Whole Life Insurance offers simplified underwriting and level and graded benefit plans for seniors to help cover final and other expenses.

Graded Benefit Plan not available in AR, MT and NC.

Children’s Whole Life is permanent life insurance that parents buy for their child. The child’s future insurability is guaranteed, regardless of health conditions that may occur later

Issue Ages

(Age Last Birthday)

Level Benefit Plan:
45-85

Graded Benefit Plan:
45-80

14 days to 17 years

Face Amounts

Level Benefit Plan:
$2,000 - $40,000

Graded Benefit Plan:
$2,000 - $20,000

$5,000 - $30,000

$5,000 - $50,000

Underwriting Classes

Level Benefit Plan:
Standard Tobacco/Nontobacco

Graded Benefit Plan:
Standard (no tobacco distinction)

Standard

Table Rates

N/A

None

Premium Modes

(Modal Factors)

  • Annual (1.00)
  • Quarterly (.275)
  • Semiannual (.52)
  • Monthly BSP (.089)
  • Annual (1.00)
  • Quarterly (.25)
  • Semiannual (.50)
  • Monthly BSP (.08333)
Policy Fee

Level Benefit Plan:

  • $36 Annual Policy Fee (Commissionable)

Graded Benefit Plan:

  • $12 Annual Policy Fee (Commissionable)

$12 Annual Policy Fee (Commissionable)

Riders

Level Benefit Plan:

  • Accidental Death Benefit Rider
  • Accelerated Death Benefit Rider*

Graded Benefit Plan:

  • None

None

  • Guaranteed Insurability Rider*
  • Death of Policy Owner Waiver of Premium Rider*
Low-Cost Loans

Charge 7.4% in advance

Charge 5.66% in advance

Conversions

N/A

N/A

Death Benefit Guarantees

Policy is guaranteed to age 100 as long as premium is paid

Policy is guaranteed to age 100 as long as premium is paid

Other Product Features
  • Simplified underwriting
  • Small face amounts
  • No death benefit reductions in early years (Level Benefit only)
  • iGo e-AppTM
  • Additional coverage may be purchased in the future without evidence of insurability
  • Limited health questions and no medical exam
  • Rates never increase and benefits never decrease
  • iGo e-AppTM

*included in the policy

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