So, you’ve been told that your child doesn’t qualify for life insurance because he or she has epilepsy. I’m here to tell you that life insurance coverage is now available, even if the child has been declined in the past. Our agency provides affordable life insurance coverage for our clients with special needs, including epilepsy. And it couldn’t be easier to qualify…our application has only one health question:
“Are you currently confined to a hospital or hospice, or have you been told by a medical practitioner that you have a terminal illness?” If you answered “No,” keep reading.
Our plan guarantees anyone age 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.
- Choose from a $10,000 or $25,000 life benefit
- NO medical or physical exam – only one (1) health question
- Premium is fully-paid in 20 years
- Policy builds cash value for your child’s future
- Provides a $10,000 or $25,000 benefit for accidental death
|Graded Death Benefit|
|Indiana & Ohio Whole Life Insurance Policy|
|20-Year Level Pay|
|$10,000 or $25,000 Benefit|
|INDIANA & OHIO|
|Premium Rates *|
|$10,000 Benefit||$25,000 Benefit|
|EFT **||EFT **||EFT **||EFT **|
* Rates are current for Indiana in 2008 and subject to change without notice. Upon issue, rates remain level for twenty years, after which time the policy is paid in full and no premiums will be due.
** Monthly (EFT) – Bank draft from a checking account on the same day each month.
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. Eligibility is subject to underwriting approval by the insurance company.
(Indiana & Ohio Residents Only)
For ages 19+ please see our adults with special needs rates.
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