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.
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
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
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.
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
