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  Family Term
Description: Designed for the family that needs coverage but can not afford other certificates. Covers two parents and all children under age fifteen. 100,000 or 50,000 on adults 10,000 per child. Children are covered till age 25. Children can convert at age 25 up to 50,000 of permanant coverage.

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  Graded Death Benefit
Description: Special whole life product for those cases that are usually denied or rejected form life insurance. $5000 amounts up to $20000 in coverage. Call me for the specifics. 336-705-0013. Available after 2-1-2013.

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  Investments
Description: Annuities Bonus first year of 4% and 1% guarenteed after first year. If you are over 60. We have a single Premium Immediate Annuity that is guarenteed 3% growth.

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  Term Insurance
Description: Advantage: Low premiums 10, 20, or 30 year certificates. Allows Conversion regardless of health once issued. Renewable untill 95. Disadvantage: No cash Value

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  Universal Life products
Description: Once issued the premium remains the same. different cash value options, 25000 Minimum amounts.

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  Whole life Products
Description: Largest potential for cash growth. Premium set at issue. Premium will not change during certificate life. Can be paid up early.

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  Youth Term
Description: Age- 0-15 Once issued it allows: $10,000 Term coverage till childs age of 25. Allows conversion of up to $50,000 of permanant insurance regardless of health. Only $5.50 per child.

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