3 Guarantees

1. Guaranteed Fixed Rate for 10 or 20 years
Your rate can never increase during your 10-year or 20-year rate lock. And your benefit can never decrease for the life of your coverage.

2. Guaranteed Renewable to Age 95
You can keep your coverage to age 95. It can not be cancelled for any reason, so long as you pay your premium when it is due.

3. Guaranteed Satisfaction or Your Money Back
You have 30 days to review your Certificate of Insurance/Policy once you receive it. If you're not 100% satisfied, simply return it within that period and any money paid will be promptly refunded.