Life insurance is designed to protect your family’s financial security after you die. Life insurance combined with critical illness coverage also protects you and your family’s financial security should you contract certain disabling conditions. Liberty Bankers Life offers its life products through two methods of distribution, an Ordinary Life division where premiums are received via checks or bank drafts and a Home Service division where agents collect the premiums in the home if requested.

Ordinary Life Division products:
SIMPL
A final expense whole life policy that features guaranteed premiums, level death benefit amount and cash values. It is available to tobacco and non-tobacco users on our simple, non-medical application.

Modified Whole Life
A non-participating whole life policy with guaranteed premiums and cash values and features an increasing graded death benefit.

PermaLife
A non-participating whole life policy with a level death benefit, guaranteed level premiums and guaranteed cash values. It is offered on a tobacco/non-tobacco basis through age 80.

PermaTerm 20
A 20-year term life insurance plan with a level death benefit and guaranteed premiums. It is available with an optional refund of all premiums (via a reduced paid-up policy) at the end of the 20-year term period and a critical illness rider.

PrimeTerm 70
With the “No Loss Provision” is a Term Plan that will cover the insured for the full face amount to age 70 or for 20 years, the longer of the two, that converts to a “reduced paid-up” policy equal to a full “refund of premiums” at the end of the term period.

Med-Free Term
Med Free Term is a series of term plans offered for durations of 10,15,20 or 30 years, with guaranteed premiums, face amount and cash values.

Group Flexible Life
A customized group life policies to Native American Groups. This policy requires a specific quote from the Home Office.

Home Service Division products:
SIWL
Simplified issue whole life is a non participating whole life policy with a level death benefit and guaranteed premiums and cash value issued using a simplified application.

LP65
Life paid up at 65 offers the same benefits as SIWL but is paid up at age 65 for the full face amount.

20PL
20 Pay life also offers the same benefits as SIWL but premium payments are limited to 20 years.

Please contact us for more information about our range of life insurance products.