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Life Calculator Life              While coverage for your valuable possessions is necessary and important, what if something should happen to you?  Having a sufficient amount of life insurance can help assure your family will have protection when it is needed the most.  We are a full-service agency, prepared to develop a program that meets your life insurance needs.  We would like an opportunity to review your current life insurance program and see how we can help you.  Below is a listing of our various life products along with a brief description of each: Permanent Plans Whole Life - A traditional form of life insurance.  Death benefit remains level for life with premiums payable to age 100.  Cash values generally start to develop in year three. 20-Pay Life - A traditional form of limited payment life insurance. Life Paid Up At 65 - A traditional form of limited payment permanent insurance. Level Term Plans 5-year Renewable/convertible Term - Coverage provided to age 70; premiums increase every five years.   Coverage may be converted prior to expiration to any form of permanent insurance offered by the company. Convertible Term - Coverage provided for 10 or 20 years and premiums payable for the entire period.  Coverage can be converted prior to expiration to any form of permanent insurance offered by the company. Term Protector Series - Coverage provided for 5, 10, 15, or 20 years and premiums payable for the entire period.  Coverage can be converted prior to expiration to any form of permanent insurance offered by the company.  Premium rates may be changed by the company; not to exceed maximum guaranteed guaranteed rates. Decreasing Term Plans Mortgagecover - Coverage decreases monthly, approximating the outstanding balance of a mortgage loan.  Coverage can be converted prior to expiration to any form of permanent insurance offered by the company for conversion. Joint Mortgagecover - Coverage decreases monthly, approximating the outstanding balance of a mortgage loan.  Coverage on either or both lives can be converted prior to expiration to any form of permanent insurance offered by the company. Custom Loan Protector - Death benefit decreases annually according to an amortization schedule selected by applicant.  Renewable to age 95 and convertible to age 70. Universal Life Universal Life provides permanent life insurance coverage.  Primary emphasis can be shifted between insurance protection and savings by varying the face amount, premium and/or death benefit option. Specialty Plans Superior Start - Level death benefit to age 30.  Convertible at any time to any form of permanent insurance offered by the company.  Convertible at age 30 for up to double the face amount.    This is an illustration and not a contract. Complete details are contained in the policy.