When you choose your life insurance, you benefit from many years of experience in helping families get back where they belong when something unexpected happens. We have been serving the needs of families and companies since 1966 Today, you join over one million individual life customers and annuitants in choosing the strength and security of Our Insurance Company.

You'll feel secure knowing that our over 15,000 professional agents provide a full range of products backed by an A+ (Superior) rating from the A.M. Best Company.

Whole Life insurance plans are designed to meet a variety of permanent insurance needs including: a guarantee of future insurability of children; a way to lock in a level premium for a lifetime of insurance; estate protection for your heirs; a way to provide living benefits for yourself in the form of cash value. Take a closer look at the Whole Life plans below.

Fixed Premium Whole Life

Premier Whole Life

Juvenile Premier Whole Life

A whole life plan designed for a variety of uses. Fixed Premium Whole Life is the perfect way to provide a moderate amount of coverage for small children are a basic plan for young adults to build upon. It's the choice when you need small amounts of insurance on members of associations who do not have an employer/employee relationship. It can also be the solution for payment of final medical care, hospital, legal and funeral expenses, an often overlooked need with older adults.

Fixed Premium Whole Life is a permanent plan that adds an important "living benefit" to the coverage. The plan provides a level amount of protection and level premiums until age 100. It also includes a built-in cash value, guaranteed to increase at 4 1/2 percent for the life of the plan.

Signing up for the plan is easy. A special "short form" application is all that's reuired. Answer a few simple medical questions and your coverage can usually be issued in a few days.

When you add the Guaranteed Insurability Benefit, you assure your ability to purchase additional insurance at ages 25, 28, 31, 37 and 40 or at the time of specific events such as college graduation, marriage, home purchase and birth or adoption of a child. You can build an additional cash reserve for the future by taking advantage of the Deposit Fund benefit (Retirement Premium Deposit Fund in Kansas, not available in Tennessee).

This is permanent whole life coverage that combines the security of traditional whole life plans with the flexibility and low-cost of special one-year term and single premium riders. Plus, the Excess Credits feature can mean added insurance benefits of cash back. This is a great solution for young adults just beginning an insurance program, families needing protection while saving for the future, or professionals who require a lot of short-term insurance coverage.

Here are just some of the life insurance products we provide

to meet your insurance needs.

That's where the Long-Term Care (LTC) plans come in. They're designed to be flexible, assuring that you have a range of options from which to choose. The benefits you select today are designed to adapt to future innovations in long-term care.

The Long-Term Care plans let you determine exactly how much coverage you need. Both plans meet federal standards for favorable tax treatment of premiums and benefits. Where required, additional plans are made available on a non tax-qualified basis.

After the claim has been approved, the proceeds will immediately be deposited in an account opened in your name.

Legal guidelines also require a life insurance company to maintain certain surplus levels -- the excess of assets over liabilities -- as protection against unanticipated claims and asset value fluctuations.

Each insurer selling policies in a state must submit an annual statement of its financial condition, and some states require an additional independent auditor's report. State insurance departments periodically examine life insurers, and if financial trouble is apparent, action is taken to conserve assets or rehabilitate the company to protect its customers.

It seems there is an ever-increasing number of insurance companies and marketing organizations that are specializing in replacing existing life insurance policies. Sometime in the future, you may be contacted by an agent from one of these companies and advised to surrender or cancel your policy and replace it with one of their products.

The approach these replacer's use often involves:

A recommendation that existing insurance be cashed in and the surrender values be placed with their company. The implication that the proposed replacement scheme will produce more favorable results for the customer. A strong recommendation to purchase term insurance and never to buy any kind of cash value, whole life policy. Sales material or third-party, non-industry literature that attacks any kind of cash value, permanent life insurance, including universal life. Computer illustrations or projections, which can often look too good to be true.

Many of these replacement specialists are classroom trained to use the same, standardized sales approach, typically to destroy your confidence in both the agent who wrote the original policy and your choice of coverage.

What they don't tell you is that Whole-Life insurance is only a part of a successful plan to protect your family, with cash value savings that build toward your future while providing the life-insurance you need. Before you decide to cash in any policy, visit with your Agent and get all the facts. We have term insurance policies that can increase the level of insurance you have, and you'll still have the backing of our firm. You Can Trust to get your family back where they belong should something unexpected happen.

A Convenient Way for Your Beneficiary to Defer Important Financial Decisions Research shows that beneficiaries (especially your spouse or children) do not wish to face major financial decisions immediately following the death of a family member. They need time to recover from the shock and grief that often follows the loss of a loved one.