Company Name: Americo Financial Life and Annuity Insurance Company

Phone number: 800-231-0801, Ext. 8410

Website: www.americo.com

Product name: Lifetime Legacy

  • Availability: All States Except AL MS NY VT WA
  • Issue ages: 55-85
  • What is the minimum single premium? $15,000
  • What is the guaranteed minimum interest rate? 4%
  • What is the death benefit? The Guaranteed Minimum Death Benefit is guaranteed for the lifetime of the insured, assuming no policy loans, withdrawals or accelerations of the death benefit are taken. The Guaranteed Minimum Death Benefit is based on the single premium, age, gender, and smoking class of the proposed insured.
  • What are the surrender charges? Lifetime Legacy policies can be surrendered at any time for 100% of the guaranteed cash surrender value. If surrendered in the first five years, the guaranteed cash surrender value will be less than the amount of the initial single premium payment.
  • Can insured take out a loan against the policy? Yes
  • Other features: Accelerated Benefit Payment Rider: the policyowner can receive up to 80% of the death benefit, less any loans, if the insured is permanently confined to a nursing home or diagnosed with a qualifying terminal illness.

Company Name: Assurity Life Insurance Company

Phone number: 800-276-7619, Ext. 4507

Website: www.assurity.com

Product name: Legacy Estate Maximizer

  • Availability: All States Except NY
  • Issue ages: 0-85
  • What is the minimum single premium? Minimum face amount is $5,000
  • What is the guaranteed minimum interest rate? N/A
  • What is the death benefit? Maximum issue amount is $150,000 net amount at risk (NAR) age 66+; Maximum NAR 0-65 is $200,000.
  • What are the surrender charges? N/A
  • Can insured take out a loan against the policy? Yes
  • Other features: Accelerated benefits riders; accidental death benefit rider

Company Name: Aviva Life & Annuity Company

Phone number: 800-367-3669

Website: www.avivausa.com

Product name: Multi Choice Indexed Single Premium Life

  • Availability: All States Except MA MT NY PA VT
  • Issue ages: 50-85 (Age Last Birthday)
  • What is the minimum single premium? Greater of $10,000 or the amount required for a $25,000 face amount
  • What is the guaranteed minimum interest rate? 2% minimum annual effective interest rate
  • What is the death benefit? Level Death Benefit Option
  • What are the surrender charges? 12 year decreasing schedule. Ages 50-75 (7/6.5/6/5.5/5/4.5/4/3.5/3/2.5/2/1.5/0) Ages 76-85 (6/5.5/5/4.5/4/3.5/3/2.5/2/1.5/1/0.5/0)
  • Can insured take out a loan against the policy? Yes
  • Other features: Free withdrawals of up to 10% of CV per year after first year, Nursing Home Waiver, Accelerated Death Benefit Rider, Life Protector Rider

Company Name: Aviva Life & Annuity Company

Phone number: 800-367-3669

Website: www.avivausa.com

Product name: Multi Choice Single Premium Life

  • Availability: All States Except MA MT NY PA VT
  • Issue ages: 50-85 (Age Last Birthday)
  • What is the minimum single premium? Greater of $10,000 or the amount required for a $25,000 face amount
  • What is the guaranteed minimum interest rate? 3% minimum annual effective interest rate
  • What is the death benefit? Level Death Benefit Option
  • What are the surrender charges? 12 year decreasing schedule. Ages 50-75 (7/6.5/6/5.5/5/4.5/4/3.5/3/2.5/2/1.5/0) Ages 76-85 (6/5.5/5/4.5/4/3.5/3/2.5/2/1.5/1/0.5/0)
  • Can insured take out a loan against the policy? Yes
  • Other features: Free withdrawals of up to 10% of CV per year after first year, Nursing Home Waiver, Accelerated Death Benefit Rider, Life Protector Rider

Company Name: Calkins Kramer Insurance, Inc.

Phone number: 800-888-1973

Website: www.calkinskramer.com

Product name: Money Guard Reserves

  • Availability: All States Except NY
  • Issue ages: 30-80
  • What is the minimum single premium? $25,000
  • What is the guaranteed minimum interest rate? 4%
  • What is the death benefit? Depends on age and amount of deposit
  • What are the surrender charges? 20 years
  • Can insured take out a loan against the policy? Yes
  • Other features: Return of premium, LTC benefits, convalesant care, extension of benefits, Tax Free Death benefit.

Company Name: Equitable Life & Casualty

Phone number: 800-352-5170

Website: www.EquiLife.com

Product name: Legacy Life 1

  • Availability: All States Except AK CA DC FL HI MA MN NJ NY WA WI
  • Issue ages: 18-85
  • What is the minimum single premium? There is no minimum single premium. Minimum face amount is $2,000.
  • What is the guaranteed minimum interest rate? Annual Interest rate for Reserve Calculation is 4%. Annual Interest rate for Cash Value is 5%.
  • What is the death benefit? Full benefit selected is payable whenever death occurs, from the very first day of coverage. Face amount available from $2,000 – $100,000.
  • What are the surrender charges? N/A
  • Can insured take out a loan against the policy? Yes
  • Other features: Benefits are guaranteed to never decrease. Living Benefits Available if a Terminal Illness strikes, Special 48 hour claim service, Benefits paid in a Single Lump Sum or other options are available, Endowment Benefits – Paid when insured reaches age 100 and is still living. Benefits generally pass Free of Taxes to your beneficiary. Optional Accidental Death Benefit, pays Double the face amount is paid if the insureds death is the result of an accident, or within 180 days of an accident. The benefit is Tripled if death is the result of an accident while riding on a common carrier such as a commercial airliner, train, bus, ship, etc., or as the result of a terrorist act within the United States.

Company Name: Illinois Mutual

Phone number:: 800-437-7355

Website: www.IllinoisMutual.com

Product name: Life Foundations Whole Life (Single Pay Option)

  • Availability: All States Except AK HI MT NJ NY
  • Issue ages: 0-80
  • What is the minimum single premium? Based on minimum death benefit of $10,000
  • What is the guaranteed minimum interest rate?
  • What is the death benefit? Minimum $10,000
  • What are the surrender charges? NA
  • Can insured take out a loan against the policy? Yes
  • Other features: Participating policy; Guaranteed Protection to 121; Accelerated Death Benefit

Company Name: Mutual Trust Financial Group

Phone number: 800-323-7320, Ext. 5309

Website: www.mutualtrust.com

Product name: Legacy One

  • Availability: All States Except AK NJ NY
  • Issue ages: 0-85
  • What is the minimum single premium? Whatever premium is required to purchase minimum face amount, which is $5,000. Premiums vary by underwriting class, sex and issue age. No additional premiums are allowed after the initial single premium.
  • What is the guaranteed minimum interest rate? 4.0%, but the interest earned is offset by expense and mortality charges.
  • What is the death benefit? Equals the face amount.
  • What are the surrender charges? None
  • Can insured take out a loan against the policy? Yes
  • Other features: Optional rider: Accelerated Death Benefit. Offers: *Tax-deferred growth; *Income tax free death benefit to heirs; *Loan and withdrawals of dividend values allowed (subject to income tax on last-in/first-out basis if issued as MEC, plus a 10% IRS penalty may be imposed on loans/withdrawals of dividend values prior to age 59-1/2).

Company Name: National Life Insurance Company

Phone number: 800-229-3333

Website: www.nationallife.com

Product name: LifeBuilder 1

  • Availability: All States
  • Issue ages: 0-85
  • What is the minimum single premium? Minimum face amount is $25,000; minimum premium is that which will purchase $25,000 and will vary by issue age, sex and rate class
  • What is the guaranteed minimum interest rate? Product is participating whole life; guarantee basis is 4%, 2001 CSO.
  • What is the death benefit? Varies by issue age, sex & underwriting class for a given single premium
  • What are the surrender charges? none
  • Can insured take out a loan against the policy? Yes
  • Other features: Terminal, chronic & critical illness accelerated benefit riders.

Company Name: National Western Life Insurance Company

Phone number: 800-760-3434

Website: www.nationalwesternlife.com

Product name: NWL Lifetime Returns Select – 1 Pay

  • Availability: All States Except MA MN NJ NY OK PA VT
  • Issue ages: 45-85
  • What is the minimum single premium? Minimum Face = $25,000
  • What is the guaranteed minimum interest rate? Guaranteed Minimum Interest Rate = 1.00%
  • What is the death benefit? Max NAR – 45-70 = $175,000; 71-75 = $125,000; 76-85 = $75,000; Over MAX NAR Up To $250,000 = Subject to Std. Underwriting
  • What are the surrender charges? % of 1 Pay Target Prem. Issue Ages/Policy Years 1st Year = 7.00% 45-70 14 1st Year = 6.00% 71-80 12 1st Year = 5.50% 81-85 11 2nd Year = % decrease .5% @ year
  • Can insured take out a loan against the policy? Yes
  • Other features: Free Partial Surrender Accelerated Benefit Rider Paid Up Rider Living Benefit Rider
    Lura Rogers 512-719-2314 lrogrs@nationalwesternlife.com

Company Name: Nationwide Financial

Phone number: 800-321-6064

Website: www.nationwide.com/subsites/ssclogin.jsp

Product name: YourLife Single Premium Universal Life

  • Availability: All States
  • Issue ages: 35-80
  • What is the minimum single premium? $10,000
  • What is the guaranteed minimum interest rate? 3%
  • What is the death benefit? Death benefit is guaranteed for lifetime as long as there are no loans and partial surrenders.
  • What are the surrender charges? There will be a 10 year declining surrender charge associated with the first premium payment. Surrender charges will apply to full or partial surrenders in excess of penalty free amounts (5% of net surrender value at the beginning of the policy year). No surrender charge will apply for any additional premium payments after first premium payment.
  • Can insured take out a loan against the policy? Yes
  • Other features: LTC Rider with Nationwide CareGuide Network, Simplified Underwriting (including LTC), Return of Premium, Penalty Free Partial Surrenders, Nationwide YourLife Wellness, Accelerated Death Benefit

Company Name: Oxford Life Insurance Company

Phone number: 800-308-2318

Website: www.oxfordlife.com

Product name: Advance Wealth Transfer

  • Availability: All States Except AL MA MS MT NY VT VA WV
  • Issue ages: 50-85
  • What is the minimum single premium? Dependent upon age, gender and tobacco use, minimum death benefit amount of $20,000 ($25,000 in Washington).
  • What is the guaranteed minimum interest rate? Dependent upon age, gender and tobacco use.
  • What is the death benefit? Dependent upon age, gender and tobacco use.
  • What are the surrender charges? Dependent upon age, gender and tobacco use.
  • Can insured take out a loan against the policy? Yes
  • Other features: Accelerated benefits for Home Health Care, Nursing Home or Terminal Illness.

Company Name: Royal Neighbors of America

Phone number: 800-627-4762

Website: www.royalneighbors.org

Product name: Royal Legacy SPWL

  • Availability: All States Except AL AK HI KY LA MA NH NY SC VT
  • Issue ages: 50-85
  • What is the minimum single premium? $10,000
  • What is the guaranteed minimum interest rate? n/a
  • What is the death benefit? n/a
  • What are the surrender charges? n/a
  • Can insured take out a loan against the policy? Yes
  • Other features: accelerated living benefit rider

Company Name: Sagicor Life Insurance

Phone number: 480-425-5100

Website: www.sagicorlifeusa.com

  • Product name: Fixed Indexed Single Premium Whole Life
  • Availability: All States Except MA MT NJ NY NC OR PA UT VA
  • Issue ages: 18-85
  • What is the minimum single premium? $5,000
  • What is the guaranteed minimum interest rate? 2.00%
  • What is the death benefit? No minimum face amount
  • What are the surrender charges? 10 Years
  • Can insured take out a loan against the policy? Yes
  • Other features: Accelerated Benefit Insurance Rider & Terminal Condition and Chronic Illness

Company Name: Sagicor Life Insurance

Phone number: 480-425-5100

Website: www.sagicorlifeusa.com

Product name: Interest Sensitive Single Premium Whole Life

  • Availability: All States Except MA NY OR PA
  • Issue ages: 0-90
  • What is the minimum single premium? $5,000
  • What is the guaranteed minimum interest rate? 3.00%
  • What is the death benefit? 5000
  • What are the surrender charges? 10 Years
  • Can insured take out a loan against the policy? Yes
  • Other features: Accelerated Benefit for Terminal and Chronic Illness

Company Name: Senior Market Sales, Inc.

Phone number: 800-786-5566

Website: www.SeniorMarketSales.com

Product name: Baltimore Life Secure Solutions

  • Availability: All States Except MA MT NY
  • Issue ages: 50-85
  • What is the minimum single premium? $5,000
  • What is the guaranteed minimum interest rate? NA
  • What is the death benefit? Over $500,000 requires home office approval
  • What are the surrender charges? Policy can be surrendered at any time for its net cash value. Partial surrender fee is $25.
  • Can insured take out a loan against the policy? Yes
  • Other features: Terminal Illness rider up to 100% of death benefit; Qualified Nursing Facility rider up to 100% of death benefit; Extended Care rider up to 100% of death benefit

Company Name: Symetra Life Insurance Company

Phone number: 800-796-3872

Website: www.symetra.com/financial

Product name: Successor Single Premium Life Insurance

  • Availability: All States Except MD MA PA VA
  • Issue ages: 15-85 years
  • What is the minimum single premium? $10,000
  • What is the guaranteed minimum interest rate? 3% Gross
  • What is the death benefit? Policy is guaranteed to not terminate due to insufficient fund values before the policy anniversary following the insured’s 120th birthday. Withdrawals will not terminate the benefit; however, the death benefit being guaranteed is reduced by the same proportion as amount withdrawn.Benefit will terminate and cannot be reinstated if loans are outstanding on the policy for 6 months.
  • What are the surrender charges? 1-4 = 7% 5 = 6% 6 = 5% 7 = 4% 8 = 3% 9 = 2% 10 = 1% 11+ no charge
  • Can insured take out a loan against the policy? Yes
  • Other features: Return of Premium Guarantee Accelerated Death Benefit for Terminal Illness Accelerated Benefit for Nursing Home Care

Company Name: The State Life Insurance Company

Phone number: 800-275-5101

Website: www.assetbasedltc.com

Product name: Asset-Care(R)

  • Availability: All States Except MT NJ NY PA
  • Issue ages: 40-80 (age last birthday)
  • What is the minimum single premium? $10,000
  • What is the guaranteed minimum interest rate? 4.00%
  • What is the death benefit? Based on the amount of the single premium.
  • What are the surrender charges? 10 years, declining from 11%, with a lifetime return of premium.
  • Can insured take out a loan against the policy? Yes
  • Other features: 1. Death benefit can be accessed monthly for qualifying long-term care expenses. 2. Available on joint or single life basis. 3. Withdrawals of interest only are not subject to surrender charges. 4. Riders available to expand LTC benefits available or to increase monthly available amount.

Company Name: United of Omaha

Phone number: 402-351-7600

Website: www.mutualofomaha.com

Product name: Legacy SPL

  • Availability: All States Except MD MA NJ PA VT
  • Issue ages: 20-85
  • What is the minimum single premium? $5,000
  • What is the guaranteed minimum interest rate? 3.00%
  • What is the death benefit? The death benefit is the amount of life insurance funded by the single premium at the time of policy is issued. Maximum face amount available is based on the Net Amount at Risk, Maximum Net Amount at Risk: Ages 20-75: $150,000 Ages 76-80: $100,000 Ages 81-85: $50,000
  • What are the surrender charges? per $1,000 of the face amount yr1-$9, yr4-$6, yr7-$3, yr2-$8, yr5-$5, yr8-$2 yr3-$7, yr6-$4, yr9-$1
  • Can insured take out a loan against the policy? Yes
  • Other features: Accelerated Benefit Rider for Terminal and Chronic Illness Waiver of Surrender Charge Rider Return of Premium Benefit