Guarantee Issued Life Insurance

Premier Protection provides Guaranteed Issued Life Insurance Policies to age 100 without any medical questions, exams, or test of any kind. Rest assured knowing you’ll be providing for your loved ones – no matter what

Free Facility Care Accelerated Benefit – Allows you to accelerate your life insurance benefit for care in a Nursing Home or Assisted Living Facility – Benefits cannot exceed the lesser of 36% of the face amount, OR the face amount of the policy less the cash value.*

Policies accumulate Cash Value that increases over time that can be withdrawn, taken out as a loan, or used to pay the premium.

*Not Available in CA, KS, MA, NY, PA and WA

Guaranteed Issued Coverage
Zero Medical Questions
Free Accelerated living benefit for terminal illnesses (Not Available in MI, NY, PA and WA)
Coverage until Age 100
Accidental Death, dismemberment, and loss of sight rider
Loss of work rider
Waiver of premium rider
Automatic Premium Loan Option rider
Up to $50,000 in employee coverage
Up to $10,000 in spousal coverage

Online Application

Guarantee Issued Life Insurance Policy to age 100

Employee Guaranteed Issue Policy Overview

Whole Life to Age 100 Non-Tobacco

Age	Benefit
	$10,000	$15,000	$20,000	$25,000	$50,000

18	3.23	4.36	5.5	6.63	12.31
19	3.34	4.54	5.73	6.92	12.88
20	3.40	4.62	5.84	7.07	13.17
21	3.50	4.77	6.04	7.32	13.67
22	3.60	4.92	6.24	7.57	14.17
23	3.70	5.07	6.44	7.82	14.67
24	3.80	5.22	6.64	8.07	15.17
25	3.90	5.37	6.84	8.32	15.67
26	4.02	5.55	7.08	8.61	16.27
27	4.14	5.73	7.32	8.91	16.86
28	4.26	5.92	7.57	9.22	17.48
29	4.38	6.09	7.81	9.52	18.07
30	4.50	6.27	8.04	9.82	18.67
31	4.69	6.56	8.42	10.29	19.61
32	4.88	6.84	8.80	10.76	20.56
33	5.06	7.12	9.17	11.22	21.48
34	5.25	7.40	9.54	11.69	22.42
35	5.44	7.68	9.92	12.16	23.36
36	5.68	8.03	10.39	12.75	24.54
37	5.91	8.39	10.87	13.34	25.73
38	6.15	8.74	11.34	13.93	26.90
39	6.39	9.10	11.81	14.53	28.09
40	6.62	9.45	12.28	15.11	29.27
41	6.96	9.95	12.95	15.95	30.94
42	7.29	10.46	13.63	16.80	32.63
43	7.63	10.96	14.30	17.63	34.30
44	7.96	11.47	14.97	18.47	35.98
45	8.30	11.97	15.64	19.31	37.65
46	8.79	12.71	16.63	20.55	40.13
47	9.29	13.46	17.62	21.79	42.61
48	9.79	14.20	18.61	23.03	45.09
49	10.28	14.94	19.61	24.27	47.57
50	10.77	15.68	20.59	25.50	50.03
51	11.43	16.67	21.91	27.14	53.32
52	12.09	17.65	23.21	28.78	56.59
53	12.74	18.64	24.53	30.42	59.88
54	13.40	19.62	25.84	32.05	63.15
55	14.05	20.60	27.14	33.69	66.42
56	15.16	22.26	29.37	36.47	71.98
57	16.27	23.93	31.58	39.24	77.51
58	17.38	25.59	33.80	42.01	83.05
59	18.49	27.25	36.01	44.78	88.59
60	19.59	28.91	38.23	47.54	94.13
61	21.09	31.15	41.22	51.28	101.61
62	22.59	33.40	44.22	55.03	109.11
63	24.09	35.65	47.22	58.78	116.61
64	25.59	37.91	50.23	62.54	124.13
65	27.09	40.15	53.22	66.28	131.61
66	28.57	42.38	56.18	69.99	139.01
67	30.15	44.75	59.34	73.94	146.92
68	31.84	47.28	62.72	78.16	155.36
69	33.69	50.05	66.42	82.78	164.61
70	35.69	53.06	70.43	87.79	174.63

Whole Life to Age 100 Tobacco

Age	Benefit
	$10,000	$15,000	$20,000	$25,000	$50,000

18	4.21	5.84	7.47	9.09	17.23
19	4.38	6.08	7.79	9.50	18.04
20	4.48	6.24	8.01	9.77	18.57
21	4.64	6.49	8.33	10.17	19.38
22	4.81	6.73	8.65	10.58	20.19
23	4.97	6.97	8.98	10.98	21.00
24	5.13	7.21	9.30	11.38	21.81
25	5.29	7.46	9.62	11.79	22.61
26	5.51	7.78	10.05	12.32	23.69
27	5.72	8.10	10.48	12.86	24.77
28	5.94	8.43	10.91	13.40	25.84
29	6.15	8.75	11.34	13.94	26.92
30	6.37	9.07	11.77	14.48	28.00
31	6.64	9.48	12.31	15.15	29.34
32	6.91	9.88	12.85	15.82	30.69
33	7.18	10.29	13.40	16.51	32.05
34	7.45	10.69	13.94	17.18	33.40
35	7.72	11.10	14.47	17.85	34.75
36	8.08	11.64	15.21	18.77	36.57
37	8.45	12.19	15.94	19.68	38.40
38	8.82	12.75	16.67	20.60	40.25
39	9.18	13.29	17.41	21.52	42.07
40	9.55	13.84	18.14	22.43	43.90
41	10.01	14.54	19.07	23.59	46.23
42	10.48	15.23	19.99	24.75	48.54
43	10.94	15.92	20.91	25.90	50.84
44	11.40	16.62	21.84	27.06	53.15
45	11.86	17.32	22.77	28.22	55.48
46	12.58	18.39	24.21	30.02	59.07
47	13.31	19.48	25.66	31.83	62.71
48	14.03	20.56	27.10	33.63	66.30
49	14.76	21.65	28.55	35.45	69.94
50	15.47	22.73	29.99	37.25	73.53
51	16.42	24.16	31.89	39.62	78.28
52	17.37	25.58	33.79	42.00	83.03
53	18.32	27.00	35.68	44.36	87.76
54	19.27	28.42	37.57	46.73	92.49
55	20.22	29.85	39.47	49.10	97.24
56	21.59	31.90	42.21	52.53	104.09
57	22.95	33.95	44.94	55.94	110.92
58	24.32	36.00	47.68	59.36	117.76
59	25.69	38.05	50.42	62.78	124.61
60	27.06	40.11	53.16	66.21	131.45
61	28.86	42.81	56.76	70.71	140.45
62	30.66	45.51	60.36	75.21	149.45
63	32.46	48.21	63.96	79.71	158.45
64	34.26	50.91	67.56	84.21	167.45
65	36.06	53.61	71.16	88.71	176.45
66	37.94	56.43	74.93	93.42	185.88
67	39.94	59.43	78.92	98.41	195.86
68	42.10	62.67	83.24	103.81	206.66
69	44.36	66.06	87.76	109.47	217.97
70	46.84	69.78	92.73	115.67	230.37

Spouse

Whole Life to Age 100 Uni-Tobacco

Age	Benefit
	$5,000	$10,000

18	2.22	3.49
19	2.29	3.63
20	2.36	3.76
21	2.43	3.90
22	2.50	4.04
23	2.57	4.18
24	2.64	4.31
25	2.70	4.45
26	2.80	4.63
27	2.89	4.81
28	2.98	5.00
29	3.07	5.18
30	3.16	5.37
31	3.28	5.61
32	3.41	5.85
33	3.52	6.09
34	3.64	6.33
35	3.77	6.57
36	3.93	6.90
37	4.10	7.23
38	4.26	7.56
39	4.43	7.89
40	4.59	8.23
41	4.82	8.68
42	5.04	9.12
43	5.26	9.57
44	5.49	10.01
45	5.71	10.46
46	6.03	11.10
47	6.35	11.74
48	6.67	12.39
49	6.99	13.03
50	7.31	13.67
51	7.73	14.50
52	8.14	15.33
53	8.56	16.16
54	8.98	16.99
55	9.39	17.82
56	10.09	19.22
57	10.79	20.61
58	11.48	22.01
59	12.18	23.41
60	12.88	24.80
61	14.24	27.52
62	15.60	30.24
63	16.96	32.95
64	18.32	35.67
65	19.67	38.39
66	20.71	40.45
67	21.84	42.71
68	23.03	45.10
69	24.35	47.74
70	25.74	50.52

children/grandchildren

Whole Life to Age 65 Uni-Tobacco

Age	Benefit
	$5,000	$10,000

0	1.62	2.27
1	1.62	2.27
2	1.62	2.27
3	1.62	2.27
4	1.62	2.27
5	1.62	2.27
6	1.65	2.34
7	1.69	2.42
8	1.73	2.49
9	1.76	2.56
10	1.80	2.63
11	1.84	2.73
12	1.88	2.81
13	1.93	2.90
14	1.97	2.99
15	2.02	3.08
16	2.10	3.23
17	2.18	3.39
18	2.26	3.55
19	2.33	3.71
20	2.41	3.86
21	2.49	4.03
22	2.57	4.18
23	2.65	4.34
24	2.73	4.49
25	2.81	4.65

CLICK HERE TO LEARN ABOUT OUR FULLY UNDERWRITTEN LIFE POLICIES

Guarantee Issued Life Insurance

*Not Available in CA, KS, MA, NY, PA and WA

Online Application

Employee Guaranteed Issue Policy Overview

Whole Life to Age 100 Non-Tobacco

Age

Benefit

$10,000

$15,000

$20,000

$25,000

$50,000

Whole Life to Age 100 Tobacco

Age

Benefit

$10,000

$15,000

$20,000

$25,000

$50,000

Spouse

Whole Life to Age 100 Uni-Tobacco

Age

Benefit

$5,000

$10,000

children/grandchildren

Whole Life to Age 65 Uni-Tobacco

Age

Benefit

$5,000

$10,000

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