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Life

Life insurance...... protection for your most valuable asset... YOU!

One of life's rewards for working hard and saving for a rainy day is achieving financial security. One of life's realities, however, is the possibility of premature death before seeing those dreams come true

There is a solution... life insurance. Only life insurance can create an immediate cash fund for loved ones. So, even if death is premature, financial security is possible.

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Life Insurance :

Discounts For:

Annuities

Universal Life
Whole Life
Simplified Issue Whole Life
Simplified Issue 5 Year Term
10 and 20 Year Level Term
Mortgage Decreasing Term
Annual Renewable Term
Disability Income

(See Descriptions below)

Non - tobacco use
Non - cigarette smokers
Higher amounts of insurance
Customized Joint Life
Payroll deduction

Individual Retirement Annuity (IRA)
Roth IRA
Simplified Employee Pension (SEP)
Saving Incentive Match Plan for Employees (SIMPLE)
Money Purchase / Profit Sharing Plans
Tax Sheltered Annuities (TSA)
Non-Qualified Deferred Annuities
Single Premium Immediate Annuities

Life Insurance
Universal Life Insurance	Provides immediate cash value, flexible premium payment plans, tax deferred savings and guaranteed death benefits.
Whole Life Insurance	Provides level death benefit protection with level premiums and guaranteed cash values.
Simplified Whole Life	This plan offers guaranteed premiums, death benefit protection cash values to age 100 for insureds age 50-80. Provides coverage for final expenses, such as medical and hospital expenses, outstanding debts and funeral costs. Easy-to-complete short form application with minimal underwriting requirements.

Term Life Insurance - If your life insurance needs are for protecting short term debt obligations, a home mortgage, or simply to make sure there will be money available for your family should death occur while your children are young, then TERM insurance may fit your needs.
10 and 20 Year Level Term Life Insurance	These programs provide level death benefits for 10 or 20 years. They can include a guaranteed premium and renewal benefit at the policyholder's option.
Yearly Renewable Term	Provides protection for one year at a time. Premiums are adjusted each year coverage is continued.
Decreasing Term	Provides decreasing death benefit protection for a specified term of 10, 15, 25, or 30 years
Simplified Issue 5 year level term	This plan provides low-cost level death benefit protection for short-term needs such as debt obligations. Easy-to-complete short form application with minimal underwriting requirements.

Optional Additional Benefits:
Disability Waiver of Premium	Waives premium payments (or cost of insurance charges if Universal Life Insurance) if the insured becomes disabled for six months or longer.
Accidental Death	Provides additional death benefits should death occur as a result of an accident
Family Plan	Insured's spouse and children can be added for life insurance protection.
Mortgage Payment Disability Benefit	Provides money to continue making debt obligation payments if the insured becomes totally disabled for 60 days or more.
Pay or Death and Disability	This additional benefit waives the premium payments (or cost of insurance charges if Universal Life) on a child's policy if the premium payor becomes disabled or dies.
Guaranteed Purchase Option	Provides opportunities to purchase additional life insurance protection at certain ages without proving insurability.

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PO Box 297
Halstad, MN 56548
(218) 456-2172
(800) 566-2172
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Burd and Rise Insurance