Product Name: Provider Whole Life
Face Amounts: $10,000 to $150,000
Issue Ages: 0 to 80 years old
Ways to apply: Paper application, telephone app, e-app available through carrier website
Product Availability: Available in all states except AK, ME, MT, NY, OR, SD, VT, WA, WY
Diabetics: Not accepted, 10-year look back
COPD: Not accepted, 10-year look back
Previous Cancer: Not accepted, 10-year look back
Previous Heart Attack: Not accepted, 10-year look back
What is good about this Company & Product?
- Non-tobacco clients only – 12-month look back. All forms of nicotine included, included cigarettes, cigars, pipe, chewing tobacco, vaping and nicotine replacement products
- Personal history interviews required for all clients
- No ratable conditions permitted
- No-cost built-in Terminal Illness Accelerated
Benefit Rider for all face amounts
- For face amounts of $25,000 or more, no-cost built-in riders include Common Carrier Accidental Death Benefit Rider, Life-Threatening Cancer Accelerated Benefit Rider, Charitable Gift Donation Benefit
- Optional Total And Permanent Disability Benefit (Waiver of Premium) and Child Rider