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Life Insurance Recommendations

Best Products and Lowest Premiums

Whole Life 

$2,000 to $10,000  United of Omaha: simplified issue whole life, no blood test
$25,000 to $50,000 MassMutual: dividends (par), cash value accumulation
$50,000 to 5 million+ Penn Mutual “Guaranteed Whole Life II” par, chronic illness benefit
Single Premium Whole Life  Assurity Life

Guaranteed Universal Life  age 121 no lapse guarantee (NLG),
Universal Life with Secondary Guarantees (ULSG)

$25,000 to $50,000  Pacific Life “PL Promise Guaranteed UL (GUL)”
$50,000 to $5,000,000+  lowest premiums check sidebar by specific age
Age 90: Pacific Life “PL Promise Guaranteed UL (GUL)”: catch-up premium to age 121 

Life Insurance that pays for Long Term Care  

American General: Accelerated Access Solution® chronic illness rider
“Value+ Protector III” IUL
“Secure Lifetime GUL 3”

Indexed Universal Life 

American General “Value+ Protector III” IUL: max age 100 no lapse guarantee option; Accelerated Access Solution® chronic illness rider; Return of Premium option: up to 100% premiums paid year 25
Securian  “Eclipse Protector II Indexed Universal Life”  age 120 No Lapse Guarantee


Guaranteed Universal Life with Premium Cash-Out 

American National ” Signature Guaranteed Universal Life Insurance”
“Guaranteed Cash-Out Rider” 100% return of premium option year 20 or year 25

American General  “Secure Lifetime GUL 3”
Return of Premium option: up to 100% premiums paid year 25

Term   

Protective “Custom Choice UL”  for guarantees after the level benefit period
Pacific Life “PL Promise Term” very competitive premiums, conversion options
Transamerica “Trendsetter® LB”  Chronic Illness, Critical Illness, Income Protection option
Nationwide “Guaranteed Level Term” Chronic Illness, Critical Illness

Universal Life

John Hancock  “Protection UL”

Survivorship Life Insurance (Second To Die Insurance)

Penn Mutual  “Survivorship Plus Select IUL”  age 121 no-lapse guarantee option

Prudential “PruLife® SUL Protector”

Survivorship with Long Term Care Benefit

Nationwide  “Nationwide Survivorship Indexed Universal Life 2020”

1035 Exchange (tax-free cash value transfer for policy replacement)

Penn Mutual “Guaranteed Whole Life II”
Securian  “Eclipse Protector II Indexed Universal Life”  age 120 No Lapse Guarantee

Guaranteed Acceptance   Modified Benefit Whole Life, no health questions

Gerber Life

Cigar, pipe, nicotine patch, nicotine gum, electronic cigarettes, vaping 

Prudential

Tobacco users who have quit or plan to quit

New York state companies and products: NY state regulations render it unique to obtain life insurance.

Child Life Insurance:  Penn Mutual par whole life, dividends: increasing cash value, increasing death benefit

Glossary   American Council Life Insurers

Contact me for a free and strictly confidential quote

Sean Drummey for life insuranceLicensed Agent: Sean Drummey
National Producer #5534308
phone: (910) 328-0447
email: spdrummey@gmail.com