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Life Insurance

Heritage Protector

Life insurance with special options designed to help you help your loved ones manage a difficult time and give you peace of mind.

Life Insurance by Equitable Life & Casualty

Plan Highlights:

  • Available for people age 50 through 85
  • Face amounts from $2,000 to $30,000 based on plan selected
  • Benefits for the plan you choose will never decrease
  • Premiums you pay for the plan you choose will never increase
  • Benefits of your plan generally pass tax free to your beneficiary
  • Benefits of the plan you choose are paid out in one lump sum


A simple, easy-to-apply-for and easy-to-issue life insurance plan.

Heritage Protector Level

Full coverage from the first day – The full benefit you select is payable whenever death occurs, from the very first day of coverage. There are two underwriting rate classes: Preferred and Standard.

Heritage Protector Graded

If your death occurs during the first 12 months, all of your premiums, plus 5% interest, will be paid to your beneficiary. In the 2nd year we will return your premium plus 10%. In the 3rd year, 75% of the selected benefit is payable. After 36 months, the full benefit is payable. If your death is the result of an accident, the full benefit is payable from the first day of your coverage.



The policy described above is not available in all states. The policy contains certain limitations and exclusions, which may vary by state.