Multiflex – flexible universal life insurance plan with five banding levels and interest bonuses. This is an excellent plan for families offering a variety of riders to meet individual needs.

Excel Prime– an interest sensitive whole life plan. Also available as Tax Qualified Life for the 403(b) market.

4x4 Term – term insurance where the premium increases only 4% every 4 years. An excellent, affordable alternative to permanent coverage.

IAP Choice – term insurance coverage offering a premium refund option that returns your premiums at the end of the term. Terms are 15, 20, 25 or 30 year periods either level or decreasing – choose the plan that is right for you.

Educator’s Choice – term insurance offering discounts to employees of accredited educational facilities. The plan includes all the options available with IAP Choice.

MediChoice – term insurance offering discounts to medical professionals. The plan includes all the options available with IAP Choice.

Critical Choice – term insurance offering unique living benefits such as Wellness Benefit Rider and Critical Illness Rider. Terms are 15, 20, 30 year with either Fully Guaranteed Premium Option or Five Year Rolling Guaranteed Premium Option.

The Precise Income Protection Plan – the greatest survivor income benefit per premium dollar. Where income replacement is the need, the Precise Income Protection reversionary annuity is the answer.

Charter Annuity Advantage – an annuity for the 403(b) and 457 market offering loans of up to 95% of the policy value. A minimum monthly deposit of $25 is required.

5 Star Plus – a flexible annuity accepting non-qualified funds. A minimum of $25 per month is required.

5 Star Single – a single premium non-qualified annuity. A minimum of $5,000 is required.