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.
*Return of premium is based on 20 or 30 initial annual premiums, regardless of the mode (semiannually, quarterly, or monthly) of premium paid. 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
Family Guard Silver from Indiana Farm Bureau Insurance was created because we believe people shouldn't be forced to choose a life insurance policy based on what they can afford; they should be able to choose a life insurance policy based on what's right for their family's needs. This policy allows you to increase the coverage of your existing life insurance program while maintaining its affordability.
Features:
- For the first 10 years of the policy, the premium schedule is designed to remain level. Premiums are guaranteed to remain level for the first 5 policy years. Beginning the 11th year, premiums will be adjusted upward each year according to the insured's age.
- Death benefit amounts of $250,000 and higher.
- Available to insureds ages 18-70.
Contact your
local agent for further details.
Family Guard Silver 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.
* Return of premium is based on 20 or 30 annual premiums, regardless of the mode (semiannually, quarterly, or monthly) of premium paid. If a material change (such as death benefit or tobacco class change) is made, cash values will be re-calculated.
Smart Plans Brochure
