Single Premium Life Insurance Source List
Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Allianz Life 800-950-7372 www.allianzlife.com GenDex Momentum MA NY OR 0-80 $5,752 2% 100000
15 years. Actual charge varies by risk class at time of issue. Yes
8 different indexing options available with fixed interest rate option. Americo Financial Life and Annuity Insurance Co.
800-231-0801 x8410 www.americo.com Lifetime Legacy
All States Except AL MS MO NV NY PA VT 55-85, age last birthday
$15,000 4%
Guaranteed Minimum Death Benefit based on single premium, age, gender, smoking class. n/a
Yes
The Accelerated Benefit Payment Rider provides an accelerated payment of life insurance proceeds and is included with every Lifetime Legacy policy, where available.
Assurity Life Insurance Co. 800-276-7619
www.assurity.com Legacy Estate Maximizer All States Except NY 0-85
Minimum face amount is $5,000. N/A
Level death benefit equal to the face amount of the policy. N/A
Yes
Non Participating whole life insurance with simplified underwriting. No additional premium riders: Accelerated Benefit Riders for Terminal Illness, Confined Care, Community Care. Aviva Life and Annuity Co.
800-800-9882 www.avivausa.com
Multi Choice Indexed Single Premium Life All States Except MA MT PA VT
50-85
Greater of $10,000 or amount required for a $25,000 face amount 2% guaranteed over the five-year segment term
Level on all policies
Ages 50-75: 7% declining over 12 yrs; ages 76-85: 6% declining over 12 years Yes
Single Premium Life Insurance Source List
Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features:
Baltimore Life Companies, The 800-745-LIFE (5433)
www.baltlife.com
Secure Solutions Single Premium Whole Life All States Except KY MA MT NY
50-85 $5,000 n/a
Calculated based on single premium, age, gender n/a
Yes
Two-tiers of underwriting, Level I-Standard through table 4, Level II-Tables 5-8 Accelerated Death Benefit Rider, not available in all states
Calkins Kramer Insurance Inc. 800-888-1973
www.calkinskramer.com LegacySPL United of Omaha All States Except NY 20-85
$5,000 4%
Depends on age and amount of deposit 20 years
Yes
Return of premium, LTC benefits, convalescent care, extension of benefits, Tax Free Death benefit.
Calkins Kramer Insurance Inc. 800-888-1973
www.calkinskramer.com Money Guard Reserves All States Except NY 30-80
$25,000 4%
Depends on age and amount of deposit 20 years
Yes
Return of premium, LTC benefits, convalescent care, extension of benefits, Tax Free Death benefit.
Equitable Life & Casualty 800-352-5170
www.EquiLife.com EquiLife Legacy 1
All States Except AK CA DC FL HI MA MN NJ NY PA WA 18-85
319.96 ($2,000 face amount, female non-smoker) 5%
Full coverage from the first day. N/A
Yes
Single Premium Life Insurance Source List
Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features:
Guardian Life Insurance Company of America 800-871-7780 #2
www.glic.com
Single Premium Whole Life All States
20-85
Minimum face = $100,000 n/a
(Face Amount + Dividend Additions + Dividends left at interest + any dividends credited at death) minus (loans + loan interest)
none Yes
Enhanced Accelerated Benefit Rider, Select Security Rider Illinois Mutual Life
800-437-7355 www.IllinoisMutual.com
Life Foundations Whole Life (Single Pay Option) All States Except AK DC HI MT NJ NY
0-80
Based on minimum death benefit of $10,000
---Minimum $10,000 NA
Yes
Dividend paying contract, guaranteed protection to 121, guaranteed asset growth, loans and withdrawals of dividend values allowed, Accelerated Death Benefit
Lincoln National Life Insurance Co., The 860-466-1000
www.LFG.com Lincoln InReach(SM) UL All States Except IL NY PA 50-80
$10,000 4%
The guaranteed death benefit can be up to 3x the initial premium.
Enhanced Surrender Value Endorsement, which will pay for the life of the policy. Yes
Additional Accelerated Benefit Rider may allow for partial acceleration of the death benefit. Lincoln National Life Insurance Co., The
860-466-1000 www.LFG.com
Lincoln MoneyGuard® Reserve All States Except UT WA 30-80
$25,000 4%
Up to 2x the initial premium and can be accelerated and leveraged for qualified long-term care reimbursement up to 6x the initial premium.
Surrender charges are graded down over a 20 year period. Yes
Single Premium Life Insurance Source List
Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features:
Motorists Life Insurance Co. 888-876-6542
www.motoristslife.com Non par whole life single pay
FL GA IL IN IA KY MI NE OH PA SC TN VA WV WI 0-80
$10,000 ages 0 - 39 $ 5,000 ages 40 - 80 cash value growth guaranteed
100% of face amount less any loaned amount
Surrender value is cash value of contract year of surrender Yes
Accelerated benefit, option to purchase rider, accidental death benefit rider MultiChoice Marketing Group
866-718-5433
www.MultiChoiceAnnuity.com MultiChoice Single Premium Life All States Except MA MT PA VT 50-85
Greater of $10,000 or the amount required for a $25,000 face amount. 2% minimum annual effective interest rate guarantee.
The Level Death Benefit Option.
12-year decreasing schedule based on the initial premium. Yes
Simplified underwriting product. Nursing Home, Accelerated Death Benefit, and Life Protector Riders are available.
Mutual Trust Financial Group 800-323-7320 x5308 www.mutualtrust.com Legacy One
All States Except AK NY 0-85
$5,000
4.0% interest rate is applied in the calculation of guaranteed cash values. Varies by face amount.
None Yes
Optional riders include accelerated death benefit. National Guardian Life
800-786-5566
HYPERLINK “http://www.mynglic.com/” www.mynglic.com Asset Guard Single Premium Guarantee Issue Whole Life All States Except ME NY
0-99 $500
Inflationary Death Benefit up to 3%. Depending on age
Irrevocable No
Single Premium Life Insurance Source List
Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features:
National Life Insurance Co. 802-229-3333
www.nationallife.com NL LifeBuilder I All States 0-85
premium must be at least sufficient to solve minimum face of 25,000 not applicable, product is participating whole life
minimum of 25,000
not applicable, product is participating whole life Yes
Terminal, chronic and critical illness accelerated benefit riders National Western Life Insurance Co.
512-836-1010
www.nationalwesternlife.com
NWL Lifetime Returns Select - Single Premium All States Except MA MN NJ NY OK PA 45-80
$25,000 1.00%
Account Balance minus loans and loan interest
1st Policy Year. 7%-5.5% of single pay target varies by age. Max Years: 14 Yes
Living Benefit Rider Accelerated Benefit Rider Paid Up Life Insurance Rider Nationwide Financial
800-321-6064
www.nationwide.com/subsites/ssclogin.jsp Nationwide YourLife Single Premium UL All States
35-80
$10,000 (higher minimum premiums apply if LTC Rider is elected, varies by age) 3%
Guaranteed Death Benefit
10 year declining surrender charge associated with the first premium payment. Yes
LTC Rider with Nationwide CareGuide Network (subject to state availability), 10 Minute Instant Decision - Simplified Underwriting (including LTC), Return of Premium, Oxford Life Insurance Co.
602-263-6666 www.oxfordlife.com Advance Wealth Transfer
All States Except AL LA MA MS MT NY VT VA WV 50-85
Based on net amount at risk -- Ages 50-80: $100,000 NAR; Ages 81-85: $50,000 NAR. 5%
Level None Yes
Single Premium Life Insurance Source List
Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features:
Protective Life 800-333-3418 www.protective.com HeritageGuard SPWL All States Except NY 45-85
$5,000 4.00%
Death benefit is determined by multiplying the amount of the purchase payment by the appropriate factor (based on age, underwriting, and gender). Minimum purchase payment is $5,000, Maximum without Home Office approval is $500,000.
10 year declining schedule: 5, 5, 5, 5, 5, 4, 3, 2, 1, 0% No
LTC Rider available in states where approved, Return of Premium Benefit Rider, Royal Neighbors of America
800-627-4762
www.royalneighbors.org Royal Legacy Life
All States Except AL AZ HI LA MA NH NY SC 50-85
$10,000 Not applicable
Based on premium - maximum premium is $250,000 Not applicable
Yes
Accelerated living benefit rider Standard risk up to table 4 Sagicor Life Insurance Co.
480-425-5100
www.sagicorlifeusa.com
Fixed Indexed Single Premium Whole Life All States Except MA MT NJ NY NC OR PA UT VA 18-85
$5,000 2.00%
No minimum face amount. 10 Years; 12,12,11,10,9,8,7,6,4,2 Yes
Accelerated Benefit Insurance Rider & Terminal Condition and Chronic Illness Sagicor Life Insurance Co.
480-425-5100
www.sagicorlifeusa.com
Interest Sensitive Single Premium Whole Life All States Except MA NY OR PA
15 days-90 $5,000 3.00% 5000 10 Years; 8,8,7,7,6,5,4,3,2,1 Yes
Single Premium Life Insurance Source List
Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features: Company Name Phone number: Website: Product name: Availability: Issue ages: What is the minimum single premium? What is the guaranteed minimum interest rate?
What is the death benefit? What are the surrender charges? Can insured take out a loan against the policy? Other features:
Standard Life and Accident 888-290-1085
www.slaico.com Classic Elite
All States Except AL AK DC ME MT NH NJ NY SD 50-80
$5,000 Whole Life
Guaranteed death benefit based on premium, age, sex and smoker status
Whole life - cash and surrender value based on premium, age, sex and smoker status Yes
Accelerated Death Benefit for Terminal Illness or medically necessary long term care related expense
State Life Insurance Co., The 800-275-5101
HYPERLINK “http://www.oneamerica.com/” www.oneamerica.com Asset-Care
All States Except NJ NY 40-80
$10,000 4%
Depends upon single premium paid. Maximum face allowed is $1.5 million. 10-years
Yes
Full access to the death benefit for qualifying long-term care expenses. Optional lifetime long-term care benefits Joint life second-to-die available
Symetra Life Insurance Co. 800-796-3872
www.symetra.com/financial Successor Single Premium Life All States Except MD MA PA 15-85
$10,000 3% gross
Policy is guaranteed to not terminate due to insufficient fund values before the policy an-niversary following the insured’s 120th birthday.
10 years. Yes
Return of premium guarantee. United of Omaha
402-351-7600
www.mutualofomaha.com Legacy SPL
All States Except MD MA PA VT 20-85
minimum single premium: $5,000 guaranteed minimum interest rate: 3.00%
Face amounts are limited to a maximum Net Amount at Risk (NAR). Surrender charges last for 9 years.
Yes
