Accident & Life - Life Insurance
Are Woodmen Accident & Life?
you for your interest in the Woodmen Accident & Life Company.
Let me tell you a little about Woodmen Accidnet & Life
and their philosophy. Woodmen Accident and Life Company is
a 110-year-old Company that is controlled by their policyholders.
Woodmen Accident & Life are licensed for business in 30
states and their subsidiary, Assurity, is licensed in all
states but New York.
Accident & Life companies are dedicated to providing financial
independence to American families. Life, including retirement,
involves risk. Woodmen Accident & Lfie cant eliminate
risk, but they can reduce the prospect of being dependent
on the government, on our children and on our relatives. Through
financial planning anchored on insurance Woodmen Accident
& Life know:
cost of getting better wont stop us from living
the way we want to once we are well again.
we die, those left behind wont suffer for lack of
matter how long we live, we wont outlive our finances.
your worries to the strong financial shoulders of Woodmen
Accident and Life Company, or Woodmen Accident & Life
subsidiary, Assurity Life Insurance Company. Woodmen Accident
& Life are large enough to serve you but small enough
to truly appreciate your business. Delivering dollars when
you need them has been their business for more than 110 years.
It has not changed.
Life is full of promise . . . and responsibility. From your
wedding day to your childs first year of college, to
the day you retire, your responsibilities are constantly changing.
Choosing the right form of life insurance to ensure your obligations
and the security of your family is of the utmost importance.
Whether you are married or single, male or female, working
on a factory line or owning your own business, Woodmen has
life insurance products designed to fit your changing needs.
Woodmen Accident & Life WHOLE LIFE INSURANCE
life (permanent) insurance is a form of insurance that provides
a benefit upon your (the insureds) death. It is insurance
designed to cover you for your lifetime. Your policy builds
cash value, which can be used for things such as your childs
college education, business opportunities or retirement. Woodmen
offers a variety of whole life products to fit your financial
product is a participating whole life policy with level premiums
and a level death benefit. It is available for consumers age
0-85 with a minimum face amount (death benefit) of $10,000.
This is an excellent starter permanent policy with strong
cash value build-up. With the addition of selected riders,
this plan can be enhanced to generate even stronger cash values
and death benefits.
product offers a guaranteed premium with a higher minimum
face amount ($100,000), available for consumers age 0-85.
This policy, with its lower premium design, is ideal for estate
building and conservation, charitable giving and business
purposes. Riders are available to enhance the value of the
contract as well.
recognize that not everyone needs or wants to buy insurance
to create an estate for heirs. If your goal is simply to leave
your family less burdened by the financial expenses associated
with death such as funeral expenses, final medical charges,
unpaid bills and other debts, then a simplified plan may be
for you. This policy is available to applicants age 40 to
90 in face amounts from $5,000 to $25,000. There are just
a few health questions and no physical exams required. Your
premiums and your death benefit will be level for as long
as the contract is kept in force.
insurance provides a benefit for a specified period of time;
hence the word term. It is particularly well suited
for individuals who need added coverage for only a certain
number of years. With term insurance, there is no cash value
that builds. It is strictly coverage in the event you die
during the given term of the policy. Term products can be
very low in premium compared to other policy types, particularly
at younger ages. In choosing term for your coverage, you can
be assured that Woodmen offers a variety of high quality permanent
plans to which you may be able to convert before your term
Term, for the seasons of life
Accident & Life's LifeScape® Term plans have competitive
premium rates that are guaranteed to remain level for the
given term. Included with each policy is a no cost rider which
extends the premium guarantee period to the greater of 10
years or the level premium period. The annually increasing
term premiums following the level premium period are also
guaranteed. Policies can be issued for the following ages:
Year Term: Issue ages 18-70
Year Term: Issue ages 18-65
Year Term: Issue ages 18-60
whether you need coverage because of obligations like auto
and college tuition loans, or because you have young children
and want that extra coverage and security, a term product
from Woodmen may be just right for you. Best of all, it can
be converted to a permanent insurance plan from Woodmen available
for conversion on any premium due date without submitting
evidence of insurability. Some restrictions apply here, so
talk to your Woodmen representative to find out more.
LIFESCAPEsm UNIVERSAL LIFE
LifeScapesm Universal Life policy is a flexible premium, adjustable
benefit life insurance contract that builds cash value. This
premium and benefit flexibility help you to stay insured,
while recognizing that there may be times when the current
premium doesnt fit as nicely into your budget as it
once did (for example, those years when you get to pay for
college). On the other hand, you can also increase the premium
in the future to build more cash value (for example, in preparing
for retirement). A multitude of riders are available on Woodmen
Accident & Life's Universal Life policy to make it an
even more valuable tool in your plan of financial security.
find out more about Wodomen's term, whole life and universal
life products, contact your nearest representative.