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