| PFIA Products |
Select Whole life
Plan provides permanent life insurance at a guaranteed level
premium. Plans also offer guaranteed cash value, paid-up
insurance values, in addition to dividends which can
accumulate at interest or purchase paid-up insurance.
Riders Available:
25-Year Level Term Insurance
10 year Level Term
Other Insured Rider
Guaranteed Purchase Option
Children's Benefit Rider
Waiver of Premium
Yearly Renewable Term & 10, 20 & 30 Year Level Term
Plans provide low-cost term protection to cover debts such as:
mortgage, installment loans, credit cards, college education
cost, monthly family income and final expenses. These plans
can be converted to a permanent life insurance plan during the
conversion period.
Riders Available:
Guaranteed Purchase Option
Children's Benefit
Waiver of Premium
One Pay Life
Plan provides permanent life insurance coverage with one
single premium. Plan offers guaranteed cash values and
dividends. Dividends will increase the total amount payable at
death to help keep up with inflation.
NO RIDERS AVAILABLE
Flexible Premium Annuities
Plans provide an excellent way for you to save money over the
years for future retirement needs or emergencies. Interest
accumulates tax-deferred, and will provide a guaranteed life
income at retirement. Currently our tax-qualified IRA’s and
Roth IRA’s as well as our Non-qualified plans are paying
interest rates of 4.50% on accounts with balances from $1.00 to
$25,000.00. and 4.75% on accounts with balances of
$25,001.00 or more.
Accident and Sickness Disability
Plan provides an income for disabilities caused by injury or
sickness, on or off duty, and additional income for
hospitalization during the first 30 days. Several benefit options
are available to meet your financial needs. One popular feature
of the Accident and Sickness Policy will return all premiums if
you go claim-free for ten years or attain age 55, whichever
comes first.
NO RIDERS AVAILABLE
Accident Only
Coverage is provided to help pay for treatment of accidental
injuries suffered on- or off-duty, and includes accidental death,
dismemberment, and hospital confinement.
Riders Available
Non-Fatal Gunshot Wound
Non-Fatal Burn Rider
Spouse Rider
Increased Disability Income Rider—Not available in some
states.
Membership Policy
Plan provides benefits for accidental death for Police Officer
or Firefighter on or off-duty. Family Coverage is also
available. Coverage depends on policy purchased and age of
member.
Riders Available
Dependent Rider
Increased Death Benefit
Optional Benefits
Waiver of Premium
This benefit provides waiver of premium on the insured to age
55, after a six-month waiting period of continued disability.
Guaranteed Purchase Options
This benefit provides the option to increase coverage on your
life insurance policy. Option dates are the anniversary date
following ages 25, 28, 31, 34, 37, and 40. Alternative option
dates are within 60 days following marriage or birth of child.
No evidence of insurability or occupation is required.
Children's Benefit
This benefit provides $1,000.00 of level term insurance on the
life of each child between the age of 15 days and 23 years.
Each Child may convert to a permanent plan of insurance which
will be five times the amount of coverage without evidence of
insurability at age 23.
25-Year Level Term Rider
Issue age 20-40 years of age. The minimum issue is $50,000.00
and must be attached to a minimum $25,000.00 Select Whole
Life policy (can be issued on a 10 to 1 basis with permanent
plans). Rider cannot be renewed, but rider can be converted to
a Select Whole Life policy prior to expiration of the rider.
Other Insured Rider
Issue ages are 20-40 years of age. The minimum issue is
$25,000.00 and must be attached to a minimum $25,000.00
Select Whole Life policy that has a 25-Year Level Term Rider.
Other Insured Rider expires when 25-Year Level Term Rider
on primary insured expires. Rider may be converted at anytime
within the 25 year period, or immediately prior to expiration
date. Upon death of primary insured, this rider can be converted
to a whole life policy within 60 days following date of death
without evidence of insurability.
Plan provides permanent life insurance at a guaranteed level
premium. Plans also offer guaranteed cash value, paid-up
insurance values, in addition to dividends which can
accumulate at interest or purchase paid-up insurance.
Riders Available:
25-Year Level Term Insurance
10 year Level Term
Other Insured Rider
Guaranteed Purchase Option
Children's Benefit Rider
Waiver of Premium
Yearly Renewable Term & 10, 20 & 30 Year Level Term
Plans provide low-cost term protection to cover debts such as:
mortgage, installment loans, credit cards, college education
cost, monthly family income and final expenses. These plans
can be converted to a permanent life insurance plan during the
conversion period.
Riders Available:
Guaranteed Purchase Option
Children's Benefit
Waiver of Premium
One Pay Life
Plan provides permanent life insurance coverage with one
single premium. Plan offers guaranteed cash values and
dividends. Dividends will increase the total amount payable at
death to help keep up with inflation.
NO RIDERS AVAILABLE
Flexible Premium Annuities
Plans provide an excellent way for you to save money over the
years for future retirement needs or emergencies. Interest
accumulates tax-deferred, and will provide a guaranteed life
income at retirement. Currently our tax-qualified IRA’s and
Roth IRA’s as well as our Non-qualified plans are paying
interest rates of 4.50% on accounts with balances from $1.00 to
$25,000.00. and 4.75% on accounts with balances of
$25,001.00 or more.
Accident and Sickness Disability
Plan provides an income for disabilities caused by injury or
sickness, on or off duty, and additional income for
hospitalization during the first 30 days. Several benefit options
are available to meet your financial needs. One popular feature
of the Accident and Sickness Policy will return all premiums if
you go claim-free for ten years or attain age 55, whichever
comes first.
NO RIDERS AVAILABLE
Accident Only
Coverage is provided to help pay for treatment of accidental
injuries suffered on- or off-duty, and includes accidental death,
dismemberment, and hospital confinement.
Riders Available
Non-Fatal Gunshot Wound
Non-Fatal Burn Rider
Spouse Rider
Increased Disability Income Rider—Not available in some
states.
Membership Policy
Plan provides benefits for accidental death for Police Officer
or Firefighter on or off-duty. Family Coverage is also
available. Coverage depends on policy purchased and age of
member.
Riders Available
Dependent Rider
Increased Death Benefit
Optional Benefits
Waiver of Premium
This benefit provides waiver of premium on the insured to age
55, after a six-month waiting period of continued disability.
Guaranteed Purchase Options
This benefit provides the option to increase coverage on your
life insurance policy. Option dates are the anniversary date
following ages 25, 28, 31, 34, 37, and 40. Alternative option
dates are within 60 days following marriage or birth of child.
No evidence of insurability or occupation is required.
Children's Benefit
This benefit provides $1,000.00 of level term insurance on the
life of each child between the age of 15 days and 23 years.
Each Child may convert to a permanent plan of insurance which
will be five times the amount of coverage without evidence of
insurability at age 23.
25-Year Level Term Rider
Issue age 20-40 years of age. The minimum issue is $50,000.00
and must be attached to a minimum $25,000.00 Select Whole
Life policy (can be issued on a 10 to 1 basis with permanent
plans). Rider cannot be renewed, but rider can be converted to
a Select Whole Life policy prior to expiration of the rider.
Other Insured Rider
Issue ages are 20-40 years of age. The minimum issue is
$25,000.00 and must be attached to a minimum $25,000.00
Select Whole Life policy that has a 25-Year Level Term Rider.
Other Insured Rider expires when 25-Year Level Term Rider
on primary insured expires. Rider may be converted at anytime
within the 25 year period, or immediately prior to expiration
date. Upon death of primary insured, this rider can be converted
to a whole life policy within 60 days following date of death
without evidence of insurability.
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