Tuesday, April 25, 2017

Contact An Agent

Phoenix Area
480-835-5000
Toll-Free
800-880-8112

Or request an agent to contact you

Request Contact >

Benefits of Your Policy's Cash Value

If you ever cancel the policy,

you will get back in cash every penny paid over $25 per year.

FOR EXAMPLE: You will pay only $25 per year through age 24. At age 25, you will begin paying $90 per year, of which the entire increase of $65 will go towards the policy's cash value.

If you ever need cash,

you can keep the policy in force and borrow the cash value at the low interest rate of 7% (6.5% in advance). In fact, as long as the cash value is greater than the loan balance, no payments are required since the interest will simply be added to the balance.

NOTE: If the insured passes away while a policy loan is in force, the loan will be re-paid out of the insurance proceeds.


Cash Value Table for a 10-year old male

Insured's Age Annual Premium Total Premiums Cash Value*
10-24 $25.00 $375.00 $0.00
25 $90.00 $440.00 $65.00
30 $90.00 $765.00 $390.00
35 $90.00 $1,090.00 $715.00
40 $90.00 $1,415.00 $1,102.82
45 $90.00 $1740.00 $1,685.68
50 $90.00 $2065.00 $2,352.60
55 $90.00 $2,390.00 $3,098.28
60 $90.00 $2,715.00 $3,905.49
65 $90.00 $3,040.00 $4,756.03
*Cash values are as of the end of each policy year.