PARTICIPATING WHOLE LIFE

PLAN DESCRIPTION

A level death benefit, level premium, participating, cash value whole life policy.

POLICY SIZE-BANDING

Minimum policy size is $5,000 with four premium bands:
Band 1 - $5,000 - $9,999
Band 2 - $10,000 - $24,999
Band 3 - $25,000 - $99,999
Band 4 - $100,000 and above

ISSUE AGES

Ages 0 to 80, as of last birthday.

PREMIUMS

Premiums are designed to be level and payable for the life of the insured. The rates for basic coverage are guaranteed for life of the policy. The company cannot raise or lower the base policy premium after the contract is issued and in force.

POLICY FEE

None.

DIVIDEND OPTIONS

Dividends will be credited to the contract as specified by the owner in the application. Dividends options available are:

Option 1 - Paid Up Additions Option 2 - Cash
Option 3 - Reduce Premium Option 4 - Accumulate with Interest

PREMIUM CLASS

Non-smoker and smoker. Substandard premiums are offered by the Home Office when appropriate for the risk.

PREMIUM MODE FACTORS

Premiums can be paid annually, semi-annually, quarterly, monthly coupon, or monthly bank draft.

BENEFITS AVAILABLE

Waiver of Premium, Accidental Death, Decreasing Term Rider (Self & Spouse), 10-Year Term Rider (Self & Spouse), Children's Term Rider and Guaranteed Insurability.


 






If you would like to speak to someone personally, you can call 1-800-392-2202 to find the agent(s) in your area of Texas.


Products offered by Germania Life Insurance Company.

Germania Life Insurance Company
PO Box 645
Brenham,TX 77834 - 0645
Phone (979) 836 - 5224
Toll-free (800) 392 - 2202
Fax (979) 277 - 1917
glife@germaniainsurance.com

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