2009 Final Expenses Source List

Company Name: Affordable Health Insurance Inc.
Phone number: 847-437-1113
Website: www.affordablehealthinsuranceplan.com
Product name: Final Expense
Availability: AZ IL IN TX WI
Issue ages: 50-80
Death benefit: 1k-50k
Available riders:
Medical exam required No
Guaranteed issue? Yes
Additional features:

Company Name: Americo
Phone number: 800-231-0801, Ext. 8410
Website: www.americo.com
Product name: Ultra Protector Series
Availability: All States Except AL ME MS NY VT WA
Issue ages: 50-85
Death benefit: $2,000 – $30,000
Available riders: Children & Grandchildren Term Rider
Medical exam required? No
Guaranteed issue? Yes
Additional features: Three products to fit different situations: Ultra Protector I – Full death benefit Ultra Protector II – 2-year graded death benefit Ultra Protector III – 3-year graded death benefit2; guaranteed issue

Company Name: Baltimore Life Insurance Company
Phone number: 410-581-6637
Website: www.baltlife.com
Product name: Silver Guard
Availability: All States Except KY MT NY WA
Issue ages: Silver Guard I: 40-80, Silver Guard II: 40-75, Silver Guard III: 40-75
Death benefit: Minimum: $2,500; Maximum: Silver Guard I, ages 40-75 – $25,000, ages 76-80 – $15,000, full and immediate DB; Silver Guard II – $15,000, Graded DB; Silver Guard III – $10,000, Return of Premium
Available riders: (1) Accidental Death Benefit, (2) Cash Draft Benefit – Up to $1,000 available immediately following death of insured upon attending physician certification (no charge)
Medical exam required? No
Guaranteed issue? No
Additional features: Electronic application with secure immediate client approval completed over the telephone provided that appropriate underwriting requirements have been satisfied. Voice signature and no paperwork offered in most states, all done at point of sale.

Company Name: Bankers Life & Casualty
Phone number: 800-231-9150
Website: www.bankers.com
Product name: Senior Whole Life
Availability: All States Except NY
Issue ages: Level Benefit Ages 0-85
Death benefit: Maximum death benefit is $25,000
Available riders: Accidental Death Benefit. Accelerated Death Benefit. Reinstatement Rider
Medical exam required? No
Guaranteed issue? No
Additional features: Rates guaranteed for life. Loan privileges. Graded Death Benefit product also available.

Company Name: Colorado Bankers Life Insurance Company
Phone number: 800-367-7814
Website: www.cbl-life.com
Product name: Preferred Golden Protector
Availability: All States Except MN MT NJ NY ND VT WA WV
Issue ages: 15-85
Death benefit: $2,000 – $50,000
Available riders: Waiver of Premium for Nursing Home. Lifetime Accidental Death
Medical exam required? No
Guaranteed issue? No
Additional features: Level and Graded Benefit Plans Available

Company Name: Conseco Insurance Company
Phone number: 888-266-6002
Website: www.partnerwith.com
Product name: Conseco Providence
Availability: All States Except MA MN MT NY VT
Issue ages: Level Option: Ages 50-85; Graded option: Ages 50-80
Death benefit: Maximum death Benefit: $30,000
Available riders: Accelerated Death Benefit Rider. Accidental Death Benefit Rider
Medical exam required? No
Guaranteed issue? No
Additional features: Direct payment of benefits to named beneficiary. Guaranteed premiums that will never increase. Long-term, cash value buildup. Loan privileges available.

Company Name: EMC National Life Company
Phone number: 800-232-5818
Website: www.emcnl.com
Product name: IWL Innovator
Availability: All States Except NJ NY
Issue ages: 18-85
Death benefit: Starts at 1000, increases by 3% for 10 years and 2% thereafter
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features:

Company Name: Equitable Life & Casualty
Phone number: 800-352-5150
Website: www.equilife.com
Product name: Equicare Legacy III (1006)
Availability: All States Except AR CA DC FL GA HI MD MA MN MO NH NJ NY NC PA WA WV WI
Issue ages: 18-85
Death benefit: 2,000 – 100,000
Available riders: N/A
Medical exam required? No
Guaranteed issue? No
Additional features: If death occurs during the first 24 months, all of premiums, plus 10% interest, will be paid to your beneficiary. After 24 months the full benefit is payable. If the insured’s death is the result of an accident, the full benefit is payable from the first day of coverage. This is an endowment whole life insurance, which builds cash values. These cash values can be available as a loan against the policy. Benefits never decrease, premiums never increase. Living benefits available if a terminal illness strikes. Benefits generally pass to your beneficiary free of taxes. Special 48 hour claim service. Benefits paid in a single lump sum or other options are available. Endowment benefits paid when the insured reaches 100 and is still living.

Company Name: Equitable Life & Casualty
Phone number: 800-352-5150
Website: www.equilife.com
Product name: EquiLife Legacy I (1004)
Availability: All States Except AK CA DC FL GA HI MD MA MN NH NJ NY PA WA WI
Issue ages: 18-85
Death benefit: 2,000 – 100,000
Available riders: Accidental Death Benefit: Should the insured die as a result of an accident, the face amount will be doubled. The Face Amount will be tripled if the cause of death should be a result of: an accident while riding as a far-paying passenger on a regularly scheduled route in a common carrier vehicle, such as an airplane, train, ship, subway or public bus; or an act of war or terrorism occurring in the United States of America, or its territories. Nursing Home Waiver of Premium: Upon Our Receiving a signed written certification that the Insured has been a resident inpatient of a Nursing Home for at least 90 days We will waive the payment of future renewal premiums becoming due on this policy unitl the Insured is discharged. Renewal premiums on the policy will resume on the date the Insured is discharged from a Nursing Home
Medical exam required? Yes
Guaranteed issue? No
Additional features: This is a Whole life insurance policy which builds cash value that can be available as a loan against the policy. Full coverage from day one. Benefits never decrease, premiums never increase. Living benefits available if a terminal illness strikes. Benefits generally pass to your beneficiary tax free. Special 48 hour claim service. Benefits paid in single lump sum or other options are available. Premium payment plans of Single Pay, 10 year pay or continuous. Endowment benefits-paid when insured reaches 100 and is still living.

Company Name: Equitable Life & Casualty
Phone number: 800-352-5150
Website: www.equilife.com
Product name: EquiLife Legacy II (1005)
Availability: All States Except AK CA DC FL GA HI MD MA MN NH NJ NY NC PA WA WV WI
Issue ages: 18-85
Death benefit: 2,000 – 100,000
Available riders: N/A
Medical exam required? No
Guaranteed issue? No
Additional features: During the first 12 months, the benefit is 30% of the chosen benefit; from the 13th through the 24th month, the benefit is 70%; beginning with the 25th month, the full benefit is payable. If the insured’s cause of death is an accident, the full benefit is payable from the first day of coverage. Benefits never decrease, premiums never increase. Living benefits available if a terminal illness strikes. Benefits generally pass to your beneficiary free of taxes. Special 48 hour claim service. Benefits paid in a single lump sum or other options are available. An endowment Whole Life Insurance which builds cash values that can be available as loans against the policy. Endowment benefits are paid when the insured reaches 100 and is still living.

Company Name: First Life America Corporation
Phone number: 866-211-0811
Website: www.firstlifecorp.com
Product name: Golden Eagle Final Expense
Availability: IL KS KY NE ND OH OK TX
Issue ages: 50-85 Simplified, 50-80 Graded
Death benefit: $2,500 – $25,000 Simplified $2,000 – $10,000 Graded
Available riders: 100% Accelerated Living Benefit Rider. Nursing Home Confinement Rider. Both Riders included at no additional premium
Medical exam required? No
Guaranteed issue? No
Additional features:

Company Name: Forethought Life Insurance Company
Phone number: 800-648-0075
Website: www.forethought.com
Product name: ForeLife – Basic
Availability: All States Except AR MA MT NY WA
Issue ages: 40-80
Death benefit: 110% of premiums paid in years 1 & 2 Full face amount in years 3+
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features: Grandchildren’s benefit included in policy at no additional cost (may not be available in all states)

Company Name: Forethought Life Insurance Company
Phone number: 800-648-0075
Website: www.forethought.com
Product name: ForeLife – Preferred
Availability: All States Except NY WA
Issue ages: 40-80
Death benefit: Full face amount all years
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features: Supplemental benefits included in policy at no additional cost (may not be available in all states): Accidental Death, Accelerated Death, Grandchildren’s Benefit

Company Name: Forethought Life Insurance Company
Phone number: 800-648-0075
Website: www.forethought.com
Product name: ForeLife – Standard
Availability: All States Except MA MT NY NC WA
Issue ages: 40-80
Death benefit: 30% of face in year 1 70% of face in year 2 Full face amount in years 3+
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features: Supplemental benefits included in policy at no additional cost (may not be available in all states): Accidental Death, Accelerated Death, Grandchildren’s Benefit

Company Name: Forethought Life Insurance Company
Phone number: 800-648-0075
Website: www.forethought.com
Product name: ForeLife – Ultra
Availability: All States Except NY WA
Issue ages: 40-70
Death benefit: Full face amount all years
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features: Supplemental benefits included in policy at no additional cost (may not be available in all states): Accidental Death, Accelerated Death, Grandchildren’s Benefit

Company Name: FuneralTrusts.com
Phone number: 732-280-4026
Website: www.funeraltrusts.com
Product name: Irrevocable Funeral Trusts, Estate Planning Trust
Availability: All States Except ME NY
Issue ages: 0-99
Death benefit: maximum up to 12,500 (state dependent)
Available riders: None
Medical exam required? No
Guaranteed issue? Yes
Additional features: Medicaid exempt, no five year look back. IFTs offer safety, security, portability, flexibility and 24-48 hour benefit availability. Protection of assets for final expenses.

Company Name: GPM Life (Government Personnel Mutual Life Insurance Company)
Phone number: 800-938-4765
Website: www.gpmlife.com
Product name: SECURE-Mark 4: SIWL(form 58KSIW06), GDB (form 58GDB06) and MBWL(form 58LMBWL07).
Availability: All States Except NJ NY
Issue ages: Ages 20-85 for SIWL and GDB, MBWL is not available. Ages 50-85 MBWL. Not all products are available in all states.
Death benefit: Ages 20-49, Minimum $10,000, Maximum $35,000 (Ages 50-80, Minimum $3,000, Maximum $35,000 ($25,000 for MBWL) Ages 81-85, Minimum $3,000, Maximum $10,000
Available riders: None
Medical exam required? No
Guaranteed issue? No
Additional features: In the event of accidental death during the first two policy years, on GDB and MBWL policies, the death benefit is the year three sum insured.

Company Name: Great American Supplemental Benefits Group family of companies
Phone number: 866-459-4272
Website: www.gasbinsurance.com
Product name: Final Expense/Senior Life/Graded Death Benefit
Availability: All States Except CT NY
Issue ages: Final Expense: 45-85*, Graded Death: 65-80* *varies per state
Death benefit: $5,000-$25,000
Available riders: Accidental Death Benefit Rider
Medical exam required? No
Guaranteed issue? Yes
Additional features: Guaranteed Renewable. Accumulate Cash Value. No increase in premiums