National States Life products are available with many options and levels of coverage and can provide the following benefits: 

• Permanent life insurance designed with the person in mind who has found it difficult or impossible to obtain life insurance in the past because of poor health or advancing age.
• A sensible solution to relieve your family from having to make difficult, urgent and emotional decisions on your behalf in a time of grief.

Life insurance provides benefits to protect against the financial risk arising from your death. Permanent whole life insurance offers protection for your entire lifetime with guaranteed death benefit, fixed premium that never increases and death proceeds that are tax-free to your designated beneficiary.

National States offers three permanent whole life plans designed to meet your financial needs at death. You may qualify for each plan through a simplified issue process that involves a short application without additional medical requirements or exam. Each plan creates cash value that is accessible by policy loans (loans reduce the death proceeds), allows easy premium payment through bank draft or billings, and can never be cancelled except for nonpayment of premium.

The plans described below are not available in all states and do contain restrictions and exclusions. Features, benefits and options may vary by state.

Whole Life Plan

WLI-5 is an immediate death benefit whole life plan with benefits that range from $3,500 to $35,000. Issue ages are from 40 to 85. Premiums are guaranteed never to increase and depend upon your age, sex and tobacco use. If your face amount is at least $10,000, the Accelerated Death Benefit Rider is added at no extra premium. This rider provides up to 50% of the death benefit if you are diagnosed with a terminal medical condition (restrictions apply to this rider).

Graded Benefit Life Plan

If you do not qualify for full immediate benefit due to a health condition, GBL provides permanent life insurance with a graded benefit that never decreases. If death occurs in the first year after issue the death benefit is 30% of Face Amount, in the second year the death benefit is 70% of Face Amount and in the third year and beyond the death benefit is 100% of Face Amount. The benefit is 100% of Face Amount for any death due to an accident.

Benefits range from $3,500 to $35,000. Issue ages are from 40 to 85.

Limited Return of Premium Plan

If you have found it difficult to obtain life insurance because of past poor health history, the LRP plan is virtually guaranteed issue permanent life insurance. LRP provides a “return of premium” waiting period with a refund of premiums plus interest at 10% if death occurs in the first 2 years the policy is in force (3 years if you are under age 65 when you apply). After the “return of premium” period or for any death by accident the benefit is the full Face Amount.

Benefits range from $1,000 to $35,000. Issue ages are from 40 to 85.