If you become totally and permanently disabled (after six consecutive months of Total Disability), the Waiver of Premium Rider will cover both your insurance premium and your planned annuity rider premium for the life of the policy. (excludes excess premiums)

Accelerated Benefit Terminal Illness Rider

1. You may request a cash withdrawal from your tax deferred annuity at any time as long as there is a balance available. There are no withdrawal fees or other charges for withdrawals from the Flexible Premium Deferred Annuity Rider or the Flex Annuity Plus Contract.

2. Policy loans are available on the internal income tax free cash values. Loans are available for up to the full surrender value less loan interest in advance to the next policy anniversary. The annual policy loan interest rate is 7.4% payable in advance.*

Waiver of Premium 

With this benefit, you can leave a legacy to multiple generations. If your policy was in force for at least five years before your death, your beneficiary will have the following options:

1. The beneficiary can receive all the proceeds in cash income tax free;

2.Or, purchase either a whole life policy or a policy of the same type as this policy then offered by the Company (not to exceed the lesser of the death benefit proceeds received of $150,000) with no medical exam.

3. Or, a combination of both income tax free cash AND purchasing a life insurance policy then offered by the company.

  • During the first year all of your premium payments go to pay the life insurance premium and optional benefit riders of your policy. Premiums are payable to age 100.

  • Beginning in the second year, approximately one half of the premiums still pay for Whole Life insurance and optional benefit riders. The remaining premiums automatically go toward the tax deferred annuity vehicle of your choice1

  • At age 65 or after 5 years, whichever occurs later, the death benefit reduces by 50%.

With this benefit if you are confined to a nursing home at least 30 days after the policy is issued you can receive a monthly benefit of 2.5% of the face amount up to $3,750 per month. (Not available in all states)

At any time after the 10th policy year, you have the option to take a reduced paid-up life insurance. Premium payments towards the life insurance would cease at that point allowing for all payments to be directed towards the tax deferred annuity rider.

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Millions of Americans struggle with planning their retirement. With the unpredictable world we live in, more people are worried about today rather than 20-40 years from now. But wouldn't it be great knowing your future is taken care of and even possibly your children's?

Click here to learn more about what makes a Roth IRA so special.

Qualified and Modified Whole Life Insurance

Benefit #4 

Because of INFLATION the value of your fixed monthly checks cut in half during retirement. A ROTH IRA is the only retirement account that CAN KEEP GROWING TAX FREE during retirement.

  • You can keep your account open

  • Make deposits

  • Make Withdrawals

  • Earn TAX FREE interest the rest of your life


Benefit #1 

All other retirement plans provide a fixed monthly income upon retirement. A ROTH IRA never has to become a fixed income. It can be a lump sum of money, drawing tax free interest for the rest of your life. Just extra money to use when you need it.

Benefit #2 

We must pay income tax on the checks we receive from other plans.

Your interest growth is TAX FREE on a ROTH IRA.

You pay no income tax as you receive your money.

Benefit #3 

Early withdrawals from other plans are subject to income tax and penalties. With a ROTH IRA you may remove your contributions, at any time, at any age, for any reason, with no income tax and penalties.

1 Flexible Premium Deferred Annuity Rider (Policy Form No. 3055), Flexible Premium Deferred Annuity Contract (AssetShield) (Policy Form No. 3058), or Flexible Premium Deferred Annuity Contract (Flex Annuity Plus) (Policy Form No. 3056)

2 Employee Benefit Research Institute. EBRI Issue Brief No. 369, March 2012, www.ebri.org

60% of U.S. Workersreport that the total value of  their household's savings and investments is less than $25,000 (excluding the value of their primary home and any defined benefit plans). 2

Did you know?

  • Only 14% of Americans are very confident they will have enough money to live comfortably in retirement. 2

How Does It Work?



1 (256) 392 - 3700

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Taking charge of your financial future may seem impossible when you are struggling just to make ends meet. But it’s not impossible. In fact, there is an affordable, flexible way to put your money to work protecting your family and accumulating assets for your future needs. Encore is a modified whole life insurance policy with an accelerated death benefit rider. The policy is issued from ages 0 to 64. The death benefit is level to age 65 or for 5 years, whichever is later, after which the policy death benefit decreases by one-half. 

Click here to see if you qualify!

© 2013 | Benefits For America

With the Total Disability Benefit Rider you can receive a monthly benefit should you become disabled. This benefit will help offset lost income and pay for a period of up to two years.

You can receive payment of up to 100% of the face amount of your Encore policy if diagnosed as terminally ill where life expectancy is 12 months or less (24 months in some states).

Accelerated Benefits Rider - Confined Care

Total Disability Benefit Rider (Policy Form No. 9785)***

Reduced Paid Up Option

** Excludes a $60 Annual Policy Fee

You can never start too early on planning for your retirement. In most cases, the earlier you start, the better off you'll be in the end. 

Beneficiary Guaranteed Insurability Rider

​Access to Cash, Available in Two Ways:


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