One of the major risks, for those dependent on the security that you provide, is the loss of your income stream. There are some basic principles that must be reviewed in order for you to meet this critical need presented in our culture today. There is also the need to preserve the estate that you have taken a lifetime to build for those that are special in your life.

   Term plans can bridge the gaps of life; however, the misuse of a temporary (term) plan covering a more permanent risk can cause untold harm to yourself and your family with possible increased costs.

   Plans that meet the more long-term security needs of your loved ones with unique benefits and flexible. There are many plans, riders, features, and bonus provisions to custom-build a plan that will meet your budget constraints and security requirements.   This product is underwriten by Kansas City Life Insurance Company.

   Life Plans for children ages 0 to 18. For some, the offer of conversion privileges is important should the child's health deteriorate; for others, these plans provide low-cost insurance at an early age to cover the risk of loss. For still others, this is an important step in assisting their child in starting his or her own plan to cover him or her throughout life. 

   The whole life plan is issued from ages 0 to 80 (nearest last birthday) with a minimum issue of $5,000.  The product is a non-participating permanent plan of life insurance with a premium paying period to age 95 (coverage will remain inforce to age 100). Premiums, cash values, and other non-forfeiture values are guaranteed at the time of issue and will not change. This product is underwriten by Kansas City Life Insurance Company.

  

   Surrogate Life Plans provide life opportunities when your health or age are not in your favor, or when you want the opportunity to pass assets outside of your estate.

  

At this present time we do not offer these plans. Cash values of your plans are invested for you in the market and are subject to market risks. This could cause you to lose your life protection. If this type of protection is chosen, it is a must that regular reviews take place to monitor the trends.

   Plans that provide the opportunity to pass funds to family members who may assist with your estate planning.