Here is a plain-language breakdown of the options shown in the menus, organized by category:

1. Life Insurance Policy Types & Schedules

These options define how long the coverage lasts and how premiums (payments) are structured.

Term Life Insurance (Temporary Coverage)

- 10, 20, 30 Year Term I Other Term: Fixed rate coverage that lasts for a set number of years.

- 15, 20, 25, 30 Year Return of Premium (ROP): Term policies that refund 100% of paid premiums to the policyholder if they outlive the term.

Permanent I Universal Life Insurance (Lifetime Coverage)

- To Age 121 Level (No Lapse U/L): Permanent coverage designed to last up to age 121 with fixed premiums.

- Pay to 65 / Pay to 100: Schedules where premium payments stop at age 65 or 100, while coverage continues through age 121.

- 10 Pay/ 20 Pay: Plans where the policy is fully paid off after 10 or 20 yearly installments.

- Single Pay: Coverage paid off in full with a single upfront lump sum.

- All To Age 121 Level Products: A filter to view all permanent "To Age 121" options at once.

2. Health Class Categories

Health classes (underwriting risk tiers) determine pricing based on a client's health, lifestyle, and medical history.

Preferred Plus: Top category for individuals in exceptional health; yields the lowest rates.

Preferred: Excellent health with minor considerations; offers better-than-average rates.

Regular Plus: Slightly better than average health; offers a slight discount over standard rates.

Regular: Average health for the applicant's age group; standard pricing applies.

3. Additional Coverages Types

Explore additional life insurance options and coverage solutions available by clicking the Options tab at www.benefitforveterans.org.

Final Expense:

Indexed Universal Life:

Whole Life:

Mortgage Protection

Guaranteed Issue

Children's Life & College Plans

Group Life Insurance

Final Expense

Indexed Universal Life

Whole Life

Annuities

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