Permanent Term Life with Long Term Care

LifeTime Benefit Term (LBT) is a new, innovative, and unique life insurance product.  You've devoted your time and hard work to provide a good life for your family. What if something happens to you? The LBT plan is a great way to help protect you and your loved ones - it can provide the peace of mind your family deserves. Permanent term life insurance ensures your loved ones are financially protected in your absence, while also offering living benefits to assist with long-term care services and expenses.

Accelerated Term Life

This type of policy enables the policyholder to receive cash advances against the death benefit in the case of being diagnosed with a terminal illness. Choosing this type of policy with an accelerated death benefit (ADB) allows the policyholder to pay for their daily living to make it as comfortable as possible while allowing the holder to look after their family once they pass away.  We offer a complete range of guaranteed level term insurance options providing both affordable protection and adaptability to meet your varied needs.

Instant Term Life Insurance

48% of U.S. households would be financially impacted by the loss of a primary wage earner within 6 months! Do you have enough coverage to ensure your family is taken care of? Get Quick, Affordable Protection Without the Hassle.

Guaranteed level term insurance provides affordable life insurance protection.

Flex Whole Life Insurance

Flexible life insurance is an umbrella term for life insurance policies that offer flexibility in aspects like premium payments, coverage amount, and investment options. These policies cater to individuals seeking customization based on their changing financial situations and life stages.  We offer a range of participating whole life products designed to meet your needs. Whether you need lower premium payments with a continuous-pay plan, a shorter premium-paying period with a limited-pay plan, or higher cash values with a single-pay plan, we have you covered.

Simplified Issue Final Expense

75% of Americans are likely to die with debt, according to a comprehensive survey conducted by Experian.1Final expense insurance is a type of life insurance that is specifically designed to cover outstanding expenses and funeral costs after a loved one passes away. A Final Expense whole Life insurance plan can help minimize the emotional and financial burden a loss could have on your family. It can also help fund your final wishes by providing a cash payment made directly to your beneficiaries to settle your outstanding debt.  

Banner Term Life

Banner Life's Term policies are renewable and convertible term life insurance policies which provide level premiums and death benefits during the initial term period. After the initial level period, the coverage amount will be reduced and the premiums may increase. Banner Life’s term life insurance policy is available in five-year increments from 10 to 40 years. Policies can be renewed or converted into universal life policies, allowing policyholders to switch from single-term coverage to lifelong coverage.

Death benefits for term life insurance are tax-free, and premiums are guaranteed to remain level throughout the length of the policy. 

Fixed Indexed Universal LIFE INSURANCE

A fixed indexed universal life insurance policy offers flexible protection, strong accumulation potential and withdrawals. As a key part of your retirement planning, it provides tax-deferred growth potential of your account value and allows you to withdraw or borrow money from the surrender value of your policy for unexpected—or planned—expenses. As a key part of your estate planning, the death benefits help protect the people who depend on you financially. It is a life insurance policy that can provide lifelong flexible protection, with strong accumulation potential.

Accidental Death & Dismemberment

Accidental death insurance is competitively-priced, accident-only insurance that lasts for the specified coverage period and pays a benefit if death is the direct result of an injury sustained in a covered accident within 180 days of the accident and independent of all other causes. Injury-specific dismemberment and paralysis benefits are also payable under certain conditions. Instant decisions are available for most applicants. Coverage is guaranteed renewable to the end of the specified coverage period.

Access to Great Benefits

We understand everyone has unique needs and concerns, so our partnership with AFEUSA has created flexible lifestyle benefits and solutions that are affordable for individuals and families.  Access to the Permanent Term Life Insurance plan mentioned above is predicated upon joining AFEUSA, a national association with over 150,000 members for only $12.95 per month .

Fill out for More Information