One Payment Life Plan
2017 C.S.O.
- One premium payment
- Insurance face amount is payable to the beneficiary upon death
- Certificate will participate in dividend payments
7 Payment Life Plan
2017 C.S.O
- Premiums are payable for seven years. Premiums can be paid on annual, semi-annual, quarterly or monthly mode
- Insurance face amount is payable to the beneficiary upon death
- Certificate will participate in dividend payments
- Payments can be made by electronic transfer from your checking/bank account
20 Payment Life Plan
2017 C.S.O.
- Premiums are payable for twenty years
- Premiums can be paid on annual, semi-annual, quarterly or monthly mode
- Insurance face amount is payable to the beneficiary upon death
- Certificate will participate in dividend payments
- Payments can be made by electronic transfer from your checking/bank account
Life Paid-up at 65 Plan
2017 C.S.O.
- Premiums are payable to age 65
- Premiums can be paid on annual, semi-annual, quarterly or monthly mode
- Insurance face amount is payable to the beneficiary upon death
- Certificate will participate in dividend payments
- Payments can be made by electronic transfer from your checking/bank account
Select Whole Life Plan
2017 C.S.O.
- Premiums are payable to age 100
- Premiums can be paid on annual, semi-annual, quarterly or monthly mode
- Insurance face amount is payable to the beneficiary upon death
- Certificate will participate in dividend payments
- Payments can be made by electronic transfer from your checking/bank account
Riders
Payor / Waiver of Premium Disability Rider
The Rider waives the premium payment for the insurance if the insured member becomes totally disables while the Certificate is in force. The premium payments are waived for as long as the disability last and the certificate remains in force.
Accidental Death Benefit Rider
The Rider doubles the face amount of insurance to be paid to the named beneficiary, when death of the insured resulted from an accident.
Spouse Decreasing Term Rider
The Rider provides decreasing term insurance benefits for the Spouse of an ATS certificate owner, thereby providing insurance protection for both the insured and spouse in one certificate. The Spouse, covered by this Rider, does not qualify as an ATS members unless he/she is insured.
Children’s Term Insurance Rider
The Rider is designed to be an addition to the parent’s insurance certificate in order to provide term insurance coverage on their Child or Children. It is available in Units of $1,000 coverage. All Children (Including step-Children and legally adopted Children) Age 0 to Age 20 at issue, and all Children born to or legally adopted by the Insured while this Rider is in force are covered under the Rider. A Child, covered under this Rider, does not qualify as an ATS juvenile member unless he/she is insured personally by an ATS Insurance Certificate.
Guaranteed Insurability Option Rider
This is an optional rider that gives the insured the option to purchase additional insurance without evidence of insurability. The amount of any additional insurance able to be purchased at each option date is specified in the Certificate Schedule. Option dates are tied to contract anniversaries nearest the attained ages of 25, 28, 31, 34, 37 and 40 of the insurance. At each option date, $10,000 of additional insurance can be purchased without evidence of insurability. There is a $50,000 lifetime maximum for these purchases.