Final Expense Products

Protector Whole Life

Protector Whole Life (PWL) is a non-participating whole life policy with a level death benefit. Level premiums are payable until death or age 121, whichever is first. The PWL is a simplified issue plan. This means there are no medical exams or tests. A competitive quick, issue whole life: you finally found it!

Issue ages: 0-85 (based on last birthday)
Minimum Face - $1,000
Maximum Face - $35,000 through ages 65 - $25,000 ages 66-85

Available Riders:

Accelerated Benefit: In the event the insured becomes terminally ill allows for a portion of the policy to be available. (Up to age 85)
Accidental Death Benefit: Is available with the PWL (ages 25-85) in states where approved.
Children's Term Rider: is available with PWL at the time of application only; children must be 15 days of age but less than 21 years of age.

Protector Graded Benefit

Protector Graded Benefit (PGB) is a non-participating whole life policy where the death benefit is graded for the first two years. For example, let's assume that you bought a $5,000 policy. If death occurs in the first year, the death benefit will be 30% of the death benefit or $1,500. If death occurs in the second year, the death benefit will be 70% of the death benefit or $3,500. Day one of the 25th month the death benefit is $5,000. Level premiums are payable until death or age 121, whichever comes first. The PGB is a simplified issue plan. This means there are no medical exams or tests.

Issue ages (based on last birthday): 0-80
Minimum Face - $1,000
Maximum Face - $15,000

Available Riders:

Accelerated Benefit: In the event the insured becomes terminally ill allows for a portion of the policy to be available. (Up to age 80.)

Protector Modified Benefit

Protector Modified Benefit (PMB) is a non-participating whole life policy where the death benefit is modified for the first two years. If death occurs in the first two years the death benefit is a return of premium plus 10%. Day one of the 25th month a full death benefit is paid. Level premiums are payable until death or age 121, whichever comes first. The PMB is a simplified issue plan. This means there are no medical exams or test.

Issue ages (based on last birthday): 40-80
Minimum Face - $1,000
Maximum Face - $15,000

Available Riders:

Accelerated Benefit: In the event the insured becomes terminally ill allows for a portion of the policy to be available. (Up to age 80.)

If you would like information about the Final Expense products, or any of the products that United Heritage offers, contact us or locate an agent in your area.