Coverage That Lasts
Offer your clients continuous protection and a guaranteed death benefit with four payment options. Guaranteed Whole Life insurance can help support your clients during every stage of their life and gives them the option to purchase all the coverage they need under one policy. Add the Paid-Up Life Insurance Rider to allow your clients the use of additional rollover or lump sum premiums to purchase paid-up coverage that increases the total death benefit and cash value.
Whole Life plans
Optional coverages (available in most states)
| Optional Benefit Riders | Level-pay | 10-pay | Single-pay | Paid Up at 65 |
|---|---|---|---|---|
| Accelerated Benefit1, CLI-680-CV | ||||
| Chronic Illness & Terminal Illness Accelerated Benefit1 (available at issue only), CLI-681-WL | ||||
| Accidental Death Benefit, 01901 | -- | -- | ||
| Children's Term, CLI-671 | -- | -- | ||
| Disability Waiver of Premium, 01900 | -- | -- | ||
| Insured Insurability, 01903 | -- | -- | ||
| Paid-Up Life Insurance Rider, CLI-682 | -- |
1Cannot combine Accelerated Benefit and Chronic Illness riders.
Key Features
- Fully guaranteed premiums, cash values, death benefit and reduced paid-up values
- Tax-deferred cash value accumulation
- Permanent coverage that can never be canceled, provided premiums are paid when due
- Various optional benefit riders to tailor the plan to suit your clients’ individual needs
Marketing Opportunities
With so many guaranties, Cincinnati Life's whole life policy is ideal for many insurance needs. Consider this product for:
- Estate conservation: guaranteed liquidity to cover estate settlement costs
- Business continuation: guaranteed cash value, death benefit premiums to finance business needs
- Charitable giving: increased ability to give larger charitable gifts to churches or non-profit organizations
- Conversion: convert your current term insurance to this guaranteed, permanent plan with no proof of insurability
- Impaired risk: individuals with increased health, occupational or avocation risks may lock in guaranteed premiums
Consumer Marketing Materials
- Coverage for Life – Brochure
- Searching for Some Guarantees – Brochure
- Do You Have Enough Life Insurance? – Flyer
- Plan for Tomorrow Live for Today – Flyer
Learn More
Learn more about Cincinnati Life advantages and other available products.
Agent Information Only