Buying life insurance is unlike any other purchase you will ever make. When you buy life insurance you are guaranteeing future financial security for your family. Life insurance is a safety net, assuring the plans that you are now making for your family are fulfilled even if you are not there to share in them.
Term life insurance is a very cost-effective way of providing financial protection for your family for a specific period of time. It provides "pure" insurance protection but does not have the cash value feature typically found in permanent life insurance policies.
As your financial condition changes, you'll have the option of converting your term policy to permanent insurance without furnishing any additional evidence of your insurability.* Your local agent can help you with a term life policy to meet your temporary financial needs, at a cost you can afford.
20 and 30 Year Smart Plan clients are eligible to receive a 100% return of premium at the end of the policy term. Of course, stated face amount protection is available if the insured dies within the policy period. But if the insured outlives the policy period, they receive their money back! Only four underwriting questions are asked, and no routine medical exams, blood tests or physicians statements are required!
20 and 30 Year Smart Plans provide guaranteed level premiums, guaranteed level death benefit, and guaranteed return of premium or paid up term policy to age 95 with no additional premium required at the end of the 20th or 30th year. The Smart Plan Guaranteed Return of Premium feature gives you the choice of receiving all 20 or 30 years of premiums back* -- TAX FREE.
Contact your local agent for further details.
Smart Plans Brochure
Term life insurance is a very cost-effective way of providing financial protection for your family for a specific period of time. It provides "pure" insurance protection but does not have the cash value feature typically found in permanent life insurance policies.
As your financial condition changes, you'll have the option of converting your term policy to permanent insurance without furnishing any additional evidence of your insurability.* Your local agent can help you with a term life policy to meet your temporary financial needs, at a cost you can afford.
*Subject to guidelines in each policy
Family Guard Gold III
The 20 & 30 Year Family Guard Gold III policies were created to give people term life insurance with a guaranteed level premium for 20 or 30 years and the option to get a return of premium back at the end of the 20th or 30th year*...tax free.
Contact your local agent for further details.
Family Guard Gold III Brochure
Features:
- The cash value (or Return of Premium) at the end of the 20th or 30th year is equal to 20 or 30 times the initial annual premium, regardless of premium mode paid.
- The tax-free Return of Premium is limited to the amount of premiums paid into the contract.
- 20-year issue ages 18-65; 30 year issue ages 18-50.
- $100,000 minimum face amount.
Contact your local agent for further details.
* Cash value at the end of the 20th or 30th year is equal to 20 or 30 times the initial annual base premium (plus policy fee), regardless of how premium is paid. Any additional premiums paid for riders, benefits or ratings will not be returned at the end of the term period. If a material change (such as death benefit or tobacco class change) is made, cash values will be re-calculated.
Family Guard Gold III Brochure
NEW 10-YEAR TERM FAMILY GOLD GUARD III
The 10-Year Term Family Gold Guard III policy may be the perfect solution to your life insurance planning needs. Perhaps you've reached an age where it's difficult to obtain life insurance, especially for longer terms. This term life insurance policy has your best interests at heart. Life insurance is about peace of mind - the peace in knowing your survivors will not be financially burdened upon your death.
To learn more about the new 10-Year Term Family Gold Guard III from Indiana Farm Bureau Insurance, contact your local agent for details.
10-Year Term Family Guard Gold III Brochure
Features:
- Policy is issued to those aged from 40 to 75.
- $100,000 minimum face amount.
- Premium is guaranteed to remain consistent throughout the 10-year term contract.
- Free Terminal Illness Accelerated Benefit may be available. Ask your agent for details.
- Accidental death benefit; minimum is $10,000.
- Available to non-tobacco and tobacco users.
To learn more about the new 10-Year Term Family Gold Guard III from Indiana Farm Bureau Insurance, contact your local agent for details.
10-Year Term Family Guard Gold III Brochure
Smart Plan
100% Return of Premium (ROP) and Simplified Underwriting
20 and 30 Year Smart Plan clients are eligible to receive a 100% return of premium at the end of the policy term. Of course, stated face amount protection is available if the insured dies within the policy period. But if the insured outlives the policy period, they receive their money back! Only four underwriting questions are asked, and no routine medical exams, blood tests or physicians statements are required!
Guaranteed
20 and 30 Year Smart Plans provide guaranteed level premiums, guaranteed level death benefit, and guaranteed return of premium or paid up term policy to age 95 with no additional premium required at the end of the 20th or 30th year. The Smart Plan Guaranteed Return of Premium feature gives you the choice of receiving all 20 or 30 years of premiums back* -- TAX FREE.
Contact your local agent for further details.
* Cash value at the end of the 20th or 30th year is equal to 20 or 30 times the initial annual base premium (plus policy fee), regardless of how premium is paid. Any additional premiums paid for riders, benefits or ratings will not be returned at the end of the term period. If a material change (such as death benefit or tobacco class change) is made, cash values will be re-calculated.
Smart Plans Brochure
Express Issue Term 65 & Smart Plan 65
Indiana Farm Bureau Insurance's Express Issue Term 65 and Smart Plan 65 are term life insurance policies with coverage to age 65. These policies offer the protection you have grown to trust, with added features you can't ignore.
Talk to your local agent about Express Issue Term 65 and Smart Plan 65 to learn more about return of premium and guaranteed level death benefit and to determine what's right for you.
Express Issue Term 65 & Smart Plan 65 Brochure
Features:
- Simplified medical underwriting
- guaranteed level premiums
- the Smart Plan 65 includes a return of premium feature at age 65
- These policies require answers to only four underwriting questions
- no routine medical exams, blood tests or physician's statements required
Talk to your local agent about Express Issue Term 65 and Smart Plan 65 to learn more about return of premium and guaranteed level death benefit and to determine what's right for you.
Express Issue Term 65 & Smart Plan 65 Brochure
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