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Life Insurance Products
Use our interactive Life Insurance Needs Analysis to obtain the recommended insurance based on your individual situation.
Whole Life – Single Premium Whole Life
FCSLA Life offers 3 Single Premium Whole Life Options:
Single Premium Whole Life Plus ICC12-SPWL0412
- Issue ages 45-85, Minimum face amount $50,000
Features, Uses and Sales Ideas:
- Early and strong growth of cash value with liquidity options if needed.
- Perfect for poorly performing non-qualified money currently in low return or low interest products.
- Excellent wealth transfer tool.
- Early and strong cash value.
Single Premium Whole Life (Traditional Product) ICC12-SPWL0412
Issue ages 0-90, Minimum face amount $5,000
Features, Uses and Sales Ideas:
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- Similar to Single Premium Whole Life Plus but with a much lower face amount minimum.
- Great option for using smaller single premium sums to buy up a strong death benefit.
- Strong growth of cash value with liquidity options if needed.
- Superb wealth transfer tool.
- Excellent for gifting permanent life insurance to children and grandchildren. After three years of being insured the child is eligible to apply for FCSLA Life Scholarships.
- Face amounts $25k or less and ages 50 and under may be eligible for the Short Application.
1 Pay Life ICC19WL
Issue ages 0-90, Minimum face amount $5,000
Features, Uses and Sales Ideas:
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- Similar to Single Premium Whole Life (Traditional Product) except that insured can pay in the ‘single premium’ over the period of the entire first contract year. This may provide some clients flexibility in paying the premium.
- Face amounts $25k or less and ages 50 and under may be eligible for the Short Application.
Whole Life – Premium Paying Whole Life
10 Pay Life ICC19WL
- Issue ages 0-85, Minimum face amount $5,000
Perfect for insureds that want to get premiums paid up over a short period of time:
- Insureds in their working years with good cash flow who do not want to pay premiums in retirement.
- Parents or Grandparents buying insurance on a child or grandchild. After three years of being insured the child is eligible to apply for FCSLA Life Scholarships.
- Business owners who want to fund key person or deferred compensation plans.
- Face amounts $25k or less and ages 50 and under may be eligible for the Short Application.
20 Pay Life ICC19WL
Issue ages 0-75, Minimum face amount $5,000
This coverage allows the insured slightly more time to pay up their premiums, making the premiums slightly less:
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- Insureds in their working years that do not want to pay premiums through their entire retirement.
- Parents or Grandparents buying insurance on a child or grandchild. After three years of being insured the child is eligible to apply for FCSLA Life Scholarships.
- Accumulates savings in cash value and provides a lifetime of protection.
- Can be used as a final expense policy with the low face amount available.
Whole Life – Lifetime Pay ICC19WL
Issue Ages 0-75, Minimum face amount $5,000
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- Accumulates savings in cash value and provides a lifetime of protection.
- Good product to accumulate money to supplement retirement savings.
- Can be used as a final expense policy with the low face amount available.
Term Products
Next Gen Term ICC19YOUTHTERM/ ICC19YOUTHTERM -S
- Issue ages 0-23 for annual premium and 0-19 for single premium. Face amounts $10,000-$50,000
- Great term product for children and young adults.
- Convertible with a conversion credit at age 30 to any permanent product up to face value.
- After three years of being insured the child is eligible to apply for FCSLA Life Scholarships.
- Face amounts $25k or less may be eligible for the Short Application.
20 Year Level Term ICC19TERM
Issue ages 18-75, Face amounts $25,000 to $100,000
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- Very rare opportunity for insureds over age 65 to purchase 20-year term insurance.
- Cash value may accumulate in this product.
- Dividends can be used for paid up additions or to reduce premium – dividends are not guaranteed.
Important life insurance underwriting note: Face amounts $25,000 and under on all products may be non-medical for all ages 0-90.
