Life Insurance - $25k - $250k (Term) Our term programs come as two different options. 1. Return of Premium. Get your money back at the end of 20 years! 2. Standard Term. You choose a 10, 20 or 30 year term program! Funeral And Final Expense Insurance - $5,000 - $25,000 (Whole Life) Our Final Expense programs offer the Three Guarantees. 1. The Premiums are Guaranteed to NEVER go up! 2. The Death Benefit is Guaranteed to NEVER go down! 3. The Program can NEVER be canceled due to age or health. Programs available for individuals ages 0-85