Guaranteed Issue     WHOLE LIFE     Insurance

IT'S THE RIGHT FIT IF:

• You need to help cover final expenses
• You want a quick and easy acceptance process, with no medical exam or health questions
• You want a policy that builds cash value over time¹
• You’re between the ages of 45 and 85 and need a policy with guaranteed premiums

EXPLORE OUR OTHER OPTIONS IF:

• You need more than $25,000 in permanent coverage. Try LifeTime Universal Life instead
• You’re under age 45 and want permanent coverage. Try Accumulator Universal Life instead
• You want coverage that lasts for a shorter amount of time. Try Traditional Term Life instead

FACTORS TO CONSIDER

• Once locked in, your monthly policy premiums will never go up, as long as they are paid when due
• The rates available to you will get higher as you age, locking them in early preserves your best rate
• Customizable coverage amounts up to $25,000
• Your benefits automatically double if death is caused by a covered accident
• AAA members and their spouses² save $60 per year. Not available in ND
• The limited benefit feature in the first two years allows your acceptance to be guaranteed
• And at age 100, your coverage stays in effect with no further payment from you. It’s a benefit you can count on

GRADED BENEFIT INSURANCE FEATURES

Your beneficiaries will receive the total benefit amount from day one for accidental death. This Guaranteed Issue Whole Life policy is referred to as graded benefit whole life insurance. If you suffer a non-accidental death within the first two years of coverage, your beneficiaries will get 100% of the level monthly premiums you paid, plus 30%. If death occurs after two years, then the total amount of your coverage is paid, no matter what the cause of death