A Lifetime of Protection

A Interstate Life whole life policy can protect your family or business,
with level premiums and a level death benefit. 

Current Interest Tradition 

  • Death benefit level for life or until age 100
  • Issue Ages: 0 – 70
  • Minimum amount of insurance is $5,000 (subject to a $150 minimum annualized premium requirement)
  • Optional Benefits/Riders
    • Accidental Death Benefit
    • Children’s Term Rider
    • Waiver of Premium
  • You may pay an amount in addition to your premium to increase the policy’s cash value or death benefit
  • You may opt to pay premiums using the excess of cash surrender value over the guaranteed cash value

Advantages

  • Provides lifetime coverage
  • Both premiums and death benefit are level
  • Builds cash value
  • Guaranteed minimum interest rate
  • Death benefit is generally received Interstate income tax free
  • Allows for policy loans and cash withdrawals to the extent cash value is available

The information presented herein is not a complete description of Interstate Life’s products. For more information, including whether or not a product is approved for sale in your state, please contact a Interstate Life representative.

The Estate Builder

  • Issue Age 40-85 (age last birthday)
  • Minimum Premium: $5,000
  • Maximum Premium:
    Ages 40-44: $100,000
    Ages 45-49: $125,000
    Ages 50-54: $155,000
    Ages 55-79: $200,000
    Ages 80-85: $100,000
  • Maximum Face Amount: $250,000
  • Simplified Issue for Net Amounts at Risk up to $100,000
    (based on application, telephone interview & Medical Information Bureau (MIB) check)

Advantages

  • One premium buys a guaranteed lifetime death benefit
  • Insured’s estate immediately increased by the death benefit amount
  • Allows for the transfer of a portion of the insured’s estate to heirs or charities
  • Provides a tax-free inheritance for beneficiaries
  • Builds guaranteed cash value (available through policy loans*)
  • Includes an Accelerated Death Benefit Rider at no additional cost (this feature is currently available in the following states: AL, AR, AZ, CO, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, NC, NJ, NM, NV, OH, OK, PA, SC, TN, TX, UT, VA, WA, WI, WV)

*Loans reduce the death benefit by the amount owed. Loans may be taxable and, if made prior to age 59½, may be subject to a 10% tax penalty. For more details, talk to your tax or financial advisor.

The information presented herein is not a complete description of Interstate Life’s products. For more information, including whether or not a product is approved for sale in your state, please contact a Interstate Life representative.

The Express Plan 

  • Death benefit amounts: $2,500 to $25,000
  • Issue ages 40-80 (age last birthday)
  • Guaranteed level premiums to age 100
  • Guaranteed cash value
  • Simplified underwriting

Advantages

  • Provides a level death benefit for final expenses or any need for a small amount of life insurance
  • Lifetime coverage at premium rates guaranteed never to increase
  • Death benefit is generally received Interstate income tax free
  • Easy to apply – simplified application
  • No medical exam

For California Residents only: 

  • Death benefit amounts: $2,500 to $25,000
  • Issue ages 30-80 (age nearest birthday)
  • Guaranteed level premiums to age 100
  • Guaranteed cash value
  • Simplified underwriting

The information presented herein is not a complete description of Interstate Life’s products. For more information, including whether or not a product is approved for sale in your state, please contact a Interstate Life representative.

Graded Benefit Whole Life 

  • Death benefit amounts: $2,500 to $25,000
  • Death benefit payments :
    • Year 1 – premium paid x 1.2
    • Year 2 – premium paid x 1.4
    • Year 3 & On – level death benefit for life or until age 100
    • Endowment for face amount at age 100
    • Accidental death in any year – death benefit equals full face amount
  • Issue Ages 40 – 80 (age last birthday)
  • Guaranteed level premiums to age 100
  • Guaranteed cash value
  • Simplified underwriting

The information presented herein is not a complete description of Interstate Life’s products. For more information, including whether or not a product is approved for sale in your state, please contact a Interstate Life representative.

Contact us

.

Contact us to find a Interstate Life
Representative in your area today! 

We’re here for you.

(800) 233-3750
myshield@interstatelife.com