Can be written over age 65; up to $1,500 per year coverage; allows for the addition of  vision insurance rider.

Available through age 85; up to $250,000.

Both fixed and variable; large and small; 401k for both groups and individuals.

Up to $500,000; 10,20 and 30-year term; no medical underwriting; no aps, no tests; up to age 75; underwritten within 24-48 hours; on-line application system for submitting business.

With return of premium in 20 years while coverage doubles; 50k, 75k and 100k available; same premium at every age; guaranteed issue; short application; no medical questions.  higher limits available up to $500,000.

For both blue and white collar markets; farmers, teachers; (no offsets for public sector workers); special discounts for qualified associations; guarantee issue to certain groups of 10 or more; coverage to age 67 with non-disabling benefit feature.

Both traditional as well as “modified” plans available, with special underwriting allowed. Short term care and nursing home only plans available also.

For qualified business owners; both blu collar and professionals; special discounts available to qualified associations.  Extremely high limits of coverage available.

With return of premium riders available.