Whole Life Insurance

Whole Life Insurance from North Coast Life Insurance has Cash Value yield guaranteed for the policy term. Maximum premiums and minimum death benefits are guaranteed for the policy term. Minimum policy size is $10,000 face amount or $200 annual premium, if less. Premiums are payable for life subject to adjustment on annual Premium Change Dates. Death benefit is payable at death prior to maturity or expiry.

Issued from ages 5 through 60. Premiums payable and benefit to age 70. $1,000 per unit if death occurs directly and independent of other causes as result of bodily injury. Minimum $5,000. Maximum equal to the policy face amount up to $300,000 provided that the total amount applied for and in force in all companies does not exceed this amount.

Waives the premium in event of "total and permanent" disability defined as "that the insured is prevented from engaging in any business or occupation or employment for which insured is reasonably fitted by education, training or experience for remuneration or profit and such disability has been for at least six months continuously." Issued ages 0 through 55. Benefit will not be allowed if disability commences before insured's 15th birthday or after policy anniversary at which insured is age 60 nearest birthday.

Issue Limits: 1 unit per $5,000 Face Amount up to 10 unit maximum (per family). Issued age 16 through 64.

• Spouse only
• Children Only - $2,000 Benefit
• Single Insured Parent Children
• Disability Waiver, through Issue Age 49

Guaranteed renewable and convertible term insurance to age 70 with options to age 100.

•  5  Year Level Premium Term, issue ages 18-65
• 10 Year Level Premium Term, issue ages 18-60
• 15 Year Level Premium Term, issue ages 18-55
• 20 Year Level Premium Term, issue ages 18-50

One or two term riders are allowed (base insured and spouse) up to a maximum of 200% of the base face amount on each rider.