We can help you plan for your family’s future financial security. A Germania Life insurance policy offers a wide range of insurance products that can be tailored specifically to you and your family’s needs.

Life

Whole life insures you for your whole life and pays a cash benefit to your designated beneficiaries.Most of our whole life plans are available from birth to a maximum age of 85.
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One advantage of whole life coverage is that it gains cash value that accumulates on an annual basis. This cash value is available to the policyholder for a loan on the policy or if the policy is surrendered. Policy loans are currently available at 10% interest.Economy Whole Life
  • Permanent whole life insurance
  • Guaranteed premium
  • Guaranteed level death benefit to age 121
  • Guaranteed cash value to age 121
  • Non-participating

Participating Whole Life

  • Guaranteed cash value to age 121
  • Guaranteed level premium payable to age 121
  • Eligible to earn dividends; however, dividends not guaranteed

10-Pay & 20-Pay Whole Life

  • Guaranteed cash value to age 121
  • Limited payment whole life insurance
  • Guaranteed level death benefit to age 121

10-Pay Whole Life - Juvenile

  • 10-Year limited payment period
  • Guaranteed cash value
  • $15,000 or $25,000 face amount
  • Guaranteed insurability built in

Prime Life

  • Guaranteed cash values
  • Simplified underwriting
  • Guaranteed premium
  • Issue age: 50-85
  • $3,000 to $25,000
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Protect your loved ones from financial burden. The stress of financial burdens can be eased with a term product.
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Term Life policies provide greater coverage for a smaller premium and they insure you for a specific time. Term policies are great for debt or mortgage protection.5-Year Renewable and Convertible Term
  • Five-Year initial insurance period, the policy is renewable and convertible
  • Guaranteed level death benefit
  • Guaranteed renewable every five years to age 65
  • Guaranteed convertible to whole life until age 60
  • Simplified underwriting application
  • Usually no paramedical exam required
10-Year, 20-Year, 30-Year Level Term
  • Guaranteed level death benefit
  • Guaranteed convertible – No evidence of insurability required
  • All Term products are indeterminate premium
  • Current rate guaranteed for one year
15-Year, 20-Year, 25-Year, 30-Year Decreasing Term
  • Decreasing death benefit
  • Guaranteed convertible
  • No evidence of insurability required
  • All term products are indeterminate premium
  • Current rate guaranteed for one year
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