Continuously committed to serving the community since 1873, PRCUALife takes pride in offering an extensive portfolio of life insurance and annuity benefit plans. Our distinguished financial products are meticulously designed to safeguard and enhance the lives of our valued members. With a comprehensive range of options, we cater to your diverse needs, be it securing your family’s future, financing a college education, or ensuring a blissful retirement. Explore our current lineup of financial products below and access a wealth of information and educational resources by selecting your desired product category.

Permanent Life Insurance

Description: A permanent plan of life insurance for which premiums are level and payable during the lifetime of the insured. Premium rates are banded saving you money on higher insurance amounts. The plan pays dividends and contains guaranteed cash values. The base death benefit remains level over the lifetime of the certificate.

Issue Amounts: $10,000 and over

Age Availability: 0 to 90

Supplemental Benefits Available:
Waiver of Premium, Accidental Death Benefit, Guaranteed Insurability Option, Juvenile Payor Benefit

Description: A permanent plan of life insurance for which there is a one time premium payment. The plan pays dividends and contains guaranteed immediate cash values. The base death benefit remains level over the lifetime of the certificate.

Issue Amounts: $5,000 and over

Age Availability:  0 to 100

Supplemental Benefits Available:
Accidental Death Benefit

5, 10, 15, 20 Year

Description: A permanent plan of life insurance for which premiums are payable for either 5, 10, 15 or 20 years. The certificate is then paid-up for life. The plan pays dividends and contains guaranteed cash values. The base death benefit remains level over the lifetime of the certificate.

Issue Amounts: $5,000 and over

Age Availability:  0 to 90

Supplemental Benefits Available:
Waiver of Premium, Accidental Death Benefit, Guaranteed Insurability Option, Juvenile Payor Benefi

Description: A permanent plan of life insurance for which premiums stop when the insured reaches the age of 70. The plan pays dividends and contains guaranteed cash values. The base death benefit remains level over the lifetime of the certificate.

Issue Amounts: $5,000 and over

Age Availability: 0 to 65

Supplemental Benefits Available:
Waiver of Premium, Accidental Death Benefit, Guaranteed Insurability Option, Juvenile Payor Benefit

Description: A permanent plan of insurance with a guaranteed death benefit for which premiums are level and payable during the lifetime of the insured. The plan allows for cash value growth and is not dividend participating. No medical exam required.

Issue Amounts:
$2,500 – $25,000 (Age 40-75)
$2,500 – $15,000 (Age 76+)

Age Availability:  40 to 85

Description: A permanent plan of life insurance for which premiums are level and payable during the lifetime of the insured. The plan allows for cash value growth and is not dividend participating. This plan has a reduced death benefit for the first 2 years. For non-accidental death, the death benefit is limited to 25% of the face amount in the first year and 50% of the face amount in the second year. Thereafter, 100% of the face amount is payable. Full benefits are paid for accidental death from day one. No medical exam required.

Issue Amounts:
$2,500 – $25,000 (Age 40-75)
$2,500 – $15,000 (Age 76+)

Age Availability: 40 to 85

Description: A permanent plan of life insurance for which premiums are level and payable during the lifetime of the insured. The plan allows for cash value growth and is not dividend participating. This plan has a reduced death benefit for the first 2 years. For non-accidental death, the death benefit is limited to the return of 110% of the premium paid during the first 2 years. Thereafter, 100% of the face amount is payable. Full benefits are paid for accidental death from day one. No medical exam required.

Issue Amounts:
$2,500 – $25,000 (Age 40 – 65);
$2,500 – $15,000 (Age 66-75);
$2,500 – $10,000 (Age 76-80)

Term Life Insurance

10, 15, 20, 30 Year

Description: A Term plan of life insurance with premiums payable for either 5, 10, 20, or 30 years. This plan provides the insured with the option of renewing every 5, 10, 20, or 30 years subject to the new premium at each renewal age. Premiums increase each renewable period with a guaranteed maximum amount.

Premium rates are banded saving you money at higher insurance amounts. This plan does not generate cash values or pay dividends. The death benefit remains level over the lifetime of the certificate.

Issue Amounts: $25,000 and over

Age Availability (10 Year): 16 to 65
Age Availability (15 Year): 16 to 60
Age Availability (20 Year): 16 to 55
Age Availability (30 Year): 16 to 45

Supplemental Benefits Available:
Waiver of Premium, Accidental Death Benefit

10, 15, 20, 25, 30 Year

Description: A Mortgage Term plan of life insurance with premiums payable for either 10, 15, 20, 25, or 30 years. Premiums remain level over the lifetime of the certificate. This plan is not renewable and it does not generate cash values or pay dividends. The death benefit decreases annually over the selected duration.

Issue Amounts: $25,000 and over

Age Availability (10 & 15 Year): 16 to 65
Age Availability (20 Year): 16 to 60
Age Availability (25 Year): 16 to 55
Age Availability (30 Year): 16 to 50

Supplemental Benefits Available:
Waiver of Premium

Description: The Quick Issue Level Term or Simplified Issue is similar to the Renewable Level Term except that there is no medical exam required when applying for up to $250,000 in coverage.

Issue Amounts: $25,000 and over

Age Availability (10 Year): 16 to 65
Age Availability (15 Year): 16 to 60
Age Availability (20 Year): 16 to 55
Age Availability (30 Year): 16 to 45

No riders available

Annuities

Non-Qualified • Traditional IRA • Roth IRA • SEP-IRA • SIMPLE-IRA • TSA

 

Do you have any questions about the products PRCUA offers?

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