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 Insurance

    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.

    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.

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    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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  • Term Life Insurance

    Protect your loved ones from financial burden. The stress of financial burdens can be eased with a term product.

    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.

     

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    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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