Whole Life Insurance Products

Final Expense Whole Life (WL97)

• discount hotels in BrusselsBenefits never decrease
• Annual premiums never increase
• Face amounts available up to $15,000
• No Medical Exam Necessary (issuance is based upon your answers to health questions)
• Plan uses Age Last Birthday for rates
• Issue ages 0 - 85

Final Expense Preferred Whole Life (WL97)

• Benefits never decrease
• hotel a BledAnnual Premiums never increase
• Face amounts available up to $15,000
• Available for individuals who have not smoked or used tobacco products within the past year
• No Medical Exam Necessary (issuance is based upon your answers to health questions)
• Plan uses Age Last Birthday for rates
• Issue ages 0 - 80

Twenty Pay Whole Life (20P97)

• Premiums are only payable for 20 years
• Benefits never decrease
• Annual Premiums never increase
• Face amounts available up to $15,000
• No Medical Exam Necessary (issuance is based upon your answers to health questions)
• Plan uses Age Last Birthday for rates
• Issue ages 0 - 80

Graded Death Benefit Whole Life (GDB)

• Benefits are as follows:
  1. 1st Year - 30% of face amount
  2. 2nd Year - 70 % of face amount
  3. Thereafter - Full Face Amount
• Full Benefits are payable for an accidental death during graded period
• Plan uses Final Expense Whole Life Rates (no additional rate-up)
• Annual Premiums never increase
• Face amounts available up to $15,000
• No Medical Exam Necessary (issuance is based upon your answers to health questions)
• Plan uses Age Last Birthday for rates
• Issue ages 0 - 85

Modified Death Benefit Whole Life (MDB97)

• Benefits are as follows:
  1. 1st Year - Return of Premium Paid plus 10%
  2. 2nd Year - Return of Premium Paid plus 20%
  3. Thereafter - Full Face Amount
• Full Benefits are payable for an accidental death during graded period
  
• Face amounts available up to $10,000
• No Medical Exam Necessary (issuance is based upon your answers to health questions)
• Plan uses Age Last Birthday for rate
• Issue ages 40 - 85 ( 40 - 75 in Missouri )

Accidental Death and Dismemberment Rider

• This rider provides additional benefits needed in today's troubling world. Terrorism and accidents are definitely factors in the world today, and Lincoln Heritage Life is not shying away from its responsibility to help protect our insureds from these horrible events.
  
  
• The new accidental death and dismemberment rider issued by Lincoln Heritage Life Insurance Company provides the following benefits. It is available for purchase on a unit basis with the maximum number of units being five (5).

• billig hotel Waterford To learn more about this rider as its own policy and its benefits, exclusions and limitations, please read the information on our Accidental Death and Dismemberment page.

Child Rider

• Each unit insures each child or stepchild for $2,000 level term to age 22, regardless of the number of children.  A maximum of 5 units may be purchased. Children must be 18 or under at the time of application.
  
  
• Children born after the effective date of the rider and who are at least 30 days of age are automatically included at no extra charge.  This rider may be converted to any permanent plan of insurance of any equal or lesser face amount on the policy anniversary on or next following the insured child's 22nd birthday.  Only natural or adopted children of the owner can be covered under the rider.  Grandparents may not purchase this rider on grandchildren.

The aforementioned products are the backbone of the life insurance products offered by Lincoln Heritage Life Insurance Company. By no means is this a complete list of all the products ever issued or assumed by Lincoln Heritage Life. If your policy does not fit one of the descriptions listed above, please call one of our friendly customer service associates at 1-800-438-7180 or email us at service@lhlic.com for more information about your policy. We will be glad to help!