Life Insurance

Learn about Simplified Issue life insurance
A competitive line of UL, WL and Term products can meet a variety of your needs.

Excel Index UL

Excel Index UL is a flexible premium indexed universal life insurance product designed to offer death benefit protection and growth potential linked to gains in the S&P 500 Index (without dividends). Excel Index UL offers three crediting rate options from which to choose— an uncapped index account; a capped index account and a fixed account with a declared interest rate not linked to an index. A minimum guaranteed interest rate is credited to the Account Value even when S&P 500 Index returns are flat or negative providing downside protection from market loss. Guarantees are based upon the claims-paying ability of the insurer.

Excel Performance 500

Excel Performance 500 is an equity indexed universal life insurance product designed to provide policy owners with returns linked to the S&P 500 Index (without dividends). With a minimum guaranteed rate of return the product offers the opportunity for growth without the risk normally associated with variable products. Policy owners can vary the amount and timing of premium payments and also change the amount of the death benefit (within certain limitations). Producers need not be registered with the NASD to sell Excel Performance 500.

Excel Protector

Excel Protector universal life insurance offers low cost permanent death benefit protection in addition to excellent cash value growth at competitive interest rates. Excel Protector offers a flexible premium, state-of-the-industry design, and competitive performance. Specialty features and riders allow Excel Protector to meet a wide range of financial planning needs.

Excel Provider UL

Excel Provider UL offers all the flexibility and benefits of universal life insurance and provides a death benefit guarantee when policy requirements are met. With its Lapse Protection Benefit, an Excel Provider UL policy will remain in force, provided premiums are paid, even if market performance causes interest rates to decline. And because of Excel Provider UL’s flexibility, you can structure your policy to maintain the Lapse Protection Benefit for whatever period you need—from a few years to your lifetime.

Excel Survivor

Excel Survivor is a second-to-die universal life insurance policy insuring two lives. It is appropriate for spouses or business partners. The death benefit is paid upon the death of the last surviving insured. Excel Survivor features competitive target premiums, flexibility in policy design and premium payments and Maturity Extension endorsement. In addition, one of the two insured may be uninsurable.

Keystone Term

Keystone Term insurance products offered by The Union Central Life Insurance Company can be a good economical choice for families during their critical growing years; and business owners may find that Keystone Term can provide an affordable solution to a temporary need. Depending on your unique financial circumstances, you can choose from a premium period projected to be level for 1, 10, 15, 20 or 30 years. Each Keystone Term plan is annually renewable to age 100. If your circumstances change, you may convert to a permanent life insurance plan from Union Central using conversion credits from your Keystone Term policy.

Keystone Whole Life

In New York only, Keystone Whole Life (Form FA 8612 NY) is issued by First Ameritas Life Insurance Corp. of New York.
Union Central’s Keystone Whole Life offers you permanent lifetime protection, and more.
Affordable protection—Keystone Whole Life is designed to offer affordable, competitive premiums. What’s more, regardless of changes in your health, your Keystone Whole Life premiums are guaranteed to remain level.
Guaranteed death benefit—As long as you make scheduled premium payments, your death benefit is guaranteed, and may even increase over time.
Wealth accumulation—Keystone Whole Life builds cash value at a guaranteed minimum interest rate of 4%.
Tax advantages—Keystone Whole Life offers tax advantages unique to life insurance, including a tax-free death benefit and tax-deferred growth.
Dividends—Whole Life insurance typically pays dividends which you can use to build cash value more quickly, increase the death benefit, or reduce the number or amount of premiums you pay. You may even elect to receive dividends in cash.

Whole Life 98

In New York only, Whole Life 98 (Form FA 8609 NY) is issued by First Ameritas Life Insurance Corp. of New York.
Whole Life 98 life insurance is designed to provide guaranteed death benefit protection. Targeted for mature and higher risk individuals, it provides guaranteed cash value growth while affording the client our proud history of outstanding dividend returns. Policy riders can add to the flexibility of coverage while death benefit, premium payments, cash value and non-forfeiture options remain guaranteed. The Estate Protection Rider is designed specifically to satisfy estate-planning needs.

Purchasers of any individual life insurance products may be charged additional premiums for features which are available by rider or endorsement to the policy or contract.

Guarantees are subject to the claims paying ability of The Union Central Life Insurance Company.

Contract UC 8606, UC 8611, UC 8612, UC 8702, UC 8706, UC 8707, UC 8708, UC 8709. Not available in all states.