Features to Consider

Here are the features you should consider in any High Quality, Low Cost life insurance plan:

Be sure to shop for no charge sales fees, loads, or commissions. These just add cost to you, another way to increase the premium
Get a guarantee that your premiums will never increase
If you are in the Military or Uniformed Service, you must be sure that the plan coverage will never be limited or premiums increased because of being in a war zone or in a high risk occupation
Look for a family of plans that offer flexibility of modifying coverage to meet your changing needs
Make sure the plans are easy to understand; if they are not, beware
For Permanent life insurance plans, be sure there is a guarantee that you get a 100% return of your premiums if you surrender your policy
For Term Insurance products, be sure they allow you to extend your coverage duration within a specified time frame, regardless of your future health
For Permanent Insurance death benefits, be sure they can be used by qualifying insured’s to pay for long term care expenses
For plans not designed specifically by military members for military members and their families, be sure that any plan you consider is designed for your specific needs as a military or hazardous occupation individual