Standard Plan:   Ok, so you have had a minor health setback, overweight, or over the age of 65.  The Standard plan is a whole life policy that provides guaranteed protection for life at guaranteed standard rates.  These rates are guaranteed to stay level for life..

 *Graded Plan:  not everyone has a clean bill of health, the graded plan was designed to accommodate situations where clients do not qualify for the preferred or standard plan.  Many times this is the last option available for individuals to qualify for whole life insurance.

Preferred Plan:  Great health means great rates.  It is important that you insure your insurability.  This is the time for you to buy insurance because you never know what the future holds and you should lock in the great rates guaranteed for life.

Issue ages: 6 months - 65 years of age

Death Benefits available:

$10,000  - $50,000 for ages 6 months to 49

$3,000 - $25,000 for ages 50 to 65

 

 

 $25,000 - $3,000 for ages to 50 -85 Living Benefits:  GTL's Whole Life plans also contain Living Benefits, which allow you to receive 75% of the death benefit in the event of a terminal illness or permanent nursing home confinement.  This Benefit is added to your coverage at no extra cost.  (Living benefits are not available on the graded plan.)  (Nursing Home Trigger not available in KS and OK)  (Living Benefit Rider not available in MD, MA, NJ, PA, SC, TX, VT & VA)

Underwriting Requirements:

Plan Exclusions:

to 50 ages for $25,000 - $3,000 85<>The following exclusion applies: 

Notes:

#1: MN, 1st and 2nd year death benefits are four times the first year premium.  Full benefits thereafter.

#2: MN, Issue Ages: Male 50-75 and Female 50-80

#3: MO, Issue Ages: 50-75

>> "No optional riders available"

  Graded Plan is not available in all states.  Percentages may vary in certain states.