Life Insurance

Coverage Options
Our Agency in partnership with Auto-Owner Life Insurance Company offers several Life, Health, and Annuity coverage options to meet your needs. We carry term and permanent life insurance also available as Simplified Issue products for clients looking for a policy with limited medical questions. Disability Income product offer flexibility in coverage amounts and benefit periods to keep the premium competitive while offering the protection they need. We also offer Deferred and Immediate Annuities that provide a Safe. Sound. Secure. ® contract option.

We Offer

SIMPLIFIED ISSUE
Simplified Issue products do not have height and weight questions and do not require medical tests. You only must be able to answer “no” to a few questions on the application for an automatic issue of the policy.

TERM LIFE
Provides low-cost, level death benefit insurance for a 10, 20 or 30-year period. Several optional riders are available so you can tailor the policy to fit your needs.

WHOLE LIFE
Whole Life insurance is the simplest form of permanent life insurance. It offers death benefit coverage up to age 110 and gives you a guaranteed interest rate on your cash value.

UNIVERSAL LIFE
Universal Life insurance combines the benefits of permanent life insurance with the ability to structure premium and payment modes to meet your insurance and financial needs.

DISABILITY INCOME
Offers protection against the loss of your greatest asset – the ability to earn an income. We offer a variety of benefit periods, riders and five elimination periods to choose from.

DEFERRED AND IMMEDIATE ANNUITIES
Auto-Owners Annuities are the perfect tool for your Safe. Sound. Secure. ® retirement planning, offering a guaranteed minimum interest rate.

MULTI-POLICY DISCOUNT
An active policy with Auto-Owners Life Insurance Company may qualify the owner of the policy for up to 5% savings on their personal lines policies and up to 2% savings on their commercial policies.
Note: Policy premiums are based upon product benefits chosen by client. State-specific limitations and conditions may apply.