Specialty Products Life Insurance for Guaranteed-Issue Tax Preparers Health Insurance for College Students About Us
Our Companies Fort Wayne
Fort
Wayne Indiana |
 Financial Management & Insurance Services 2200 Lake Avenue, Suite 120, Fort Wayne, Indiana 46805 Phone: (260) 422-5377 Fax: (260) 423-6780 Toll-free: (877) 341-5377 Life
insurance for the
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So, you've been told that your loved one doesn't qualify for life insurance because he or she has special needs. I’m here to tell you that life coverage may be available, even if they have been declined in the past. In Indiana and Ohio our agency provides affordable life insurance coverage for our clients with conditions like Autism, Celiac Disease, Cerebral Palsy, Diabetes, Down Syndrome, Epilepsy, Multiple Sclerosis, or Obesity. And it couldn't be easier to qualify because the application only has one health question...
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This plan guarantees anyone aged 5 to 80 the opportunity to purchase up to $25,000 of permanent whole life protection by answering one simple health question. No medical information or exam is required. The death benefit in years one to three is limited to a return of premiums paid in the first year, 50% in the second year and 100% in the third year and thereafter. The full face amount of the policy is payable in all years in case of accidental death.
Features
- NO medical or physical exam - only one (1) health question
- Premium is fully-paid in 20 years
- Policy builds cash value
- Provides a $10,000 or $25,000 benefit for accidental death
Rates
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Graded Death Benefit |
||||||||
| $10,000 Benefit | $25,000 Benefit | |||||||
| Male | Female | Male | Female | |||||
| Age | Monthly EFT ** |
Quarterly | Monthly EFT ** |
Quarterly | Monthly EFT ** |
Quarterly | Monthly EFT ** |
Quarterly |
| - For ages younger than 18, please visit this page - | ||||||||
| 18 | $19.57 | $59.60 | $13.86 | $42.21 | $45.00 | $137.07 | $30.73 | $93.61 |
| 19 | 19.98 | 60.87 | 14.15 | 43.12 | 46.04 | 140.25 | 31.47 | 95.86 |
| 20 | 20.42 | 62.20 | 14.46 | 44.04 | 47.13 | 143.56 | 32.23 | 98.18 |
| 21 | 20.87 | 63.57 | 14.76 | 44.97 | 48.26 | 147.01 | 32.99 | 100.50 |
| 22 | 21.32 | 64.95 | 15.08 | 45.92 | 49.39 | 150.45 | 33.78 | 102.89 |
| 23 | 21.80 | 66.41 | 15.41 | 46.93 | 50.59 | 154.10 | 34.60 | 105.40 |
| 24 | 22.29 | 67.89 | 15.74 | 47.94 | 51.81 | 157.81 | 35.43 | 107.92 |
| 25 | 22.79 | 69.40 | 16.08 | 48.97 | 53.05 | 161.58 | 36.28 | 110.51 |
| 26 | 23.34 | 71.10 | 16.63 | 50.67 | 54.44 | 165.82 | 37.67 | 114.75 |
| 27 | 23.92 | 72.85 | 17.21 | 52.42 | 55.88 | 170.20 | 39.11 | 119.12 |
| 28 | 24.52 | 74.68 | 17.80 | 54.22 | 57.38 | 174.77 | 40.59 | 123.62 |
| 29 | 25.14 | 76.59 | 18.43 | 56.13 | 58.94 | 179.54 | 42.15 | 128.39 |
| 30 | 25.80 | 78.57 | 19.08 | 58.11 | 60.57 | 184.51 | 43.78 | 133.36 |
| 31 | 26.47 | 80.61 | 19.76 | 60.18 | 62.25 | 189.61 | 45.48 | 138.53 |
| 32 | 27.17 | 82.76 | 20.46 | 62.33 | 64.01 | 194.97 | 47.24 | 143.90 |
| 33 | 27.90 | 84.99 | 21.19 | 64.55 | 65.84 | 200.54 | 49.07 | 149.46 |
| 34 | 28.65 | 87.26 | 21.95 | 66.86 | 67.71 | 206.24 | 50.96 | 155.22 |
| 35 | 29.43 | 89.65 | 22.74 | 69.27 | 69.67 | 212.20 | 52.94 | 161.25 |
| 36 | 30.64 | 93.33 | 23.58 | 71.82 | 72.69 | 221.41 | 55.03 | 167.61 |
| 37 | 31.91 | 97.20 | 24.46 | 74.49 | 75.86 | 231.08 | 57.22 | 174.30 |
| 38 | 33.23 | 101.23 | 25.37 | 77.27 | 79.17 | 241.15 | 59.51 | 181.26 |
| 39 | 34.62 | 105.44 | 26.33 | 80.19 | 82.63 | 251.68 | 61.90 | 188.55 |
| 40 | 36.07 | 109.87 | 27.32 | 83.21 | 86.26 | 262.75 | 64.38 | 196.10 |
| 41 | 37.58 | 114.45 | 28.36 | 86.39 | 90.02 | 274.21 | 66.99 | 204.05 |
| 42 | 39.16 | 119.28 | 29.45 | 89.70 | 93.98 | 286.27 | 69.71 | 212.33 |
| 43 | 40.80 | 124.29 | 30.59 | 93.17 | 98.09 | 298.79 | 72.56 | 221.01 |
| 44 | 42.52 | 129.51 | 31.78 | 96.80 | 102.38 | 311.84 | 75.54 | 230.09 |
| 45 | 44.31 | 134.96 | 33.02 | 100.57 | 106.86 | 325.49 | 78.63 | 239.49 |
| For ages 46+ please contact Dave MacDonald | ||||||||
* Rates are current for 2009 and subject to change without notice. This page and illustrations provided are for summary purposes only and contain a general outline of coverages provided. This is not a contract or policy. For a complete and detailed description of coverages and exclusions, refer to the policy forms.
** Monthly (EFT) - Bank draft from a checking account on the same day each month.
(Indiana & Ohio Residents Only)
For more information, please send
an
email to Dave
MacDonald or call us:
Toll-free: (877) 341-5377
Local: (260) 422-5377
Residents of Other States
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Our agency is presently licensed to write this plan only in the State of Indiana. We will be adding other states in the near future. Please email Dave MacDonald to inquire when your state may be added. |
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