1. Protection policy for the head of the family:

• Minimum: $ 50,000.00
• Investment of annual profits in guaranteed values.
• It accumulates large amounts of American dollars for retirement, pension or family or commercial protection.
• It provides payments for terminal illness and dismemberment.
•It is issued to individuals ages 0 to 75 who meet the requisites.

2. Family policy:

• Coverage plan for the entire family
• Minimum: $ 50,000.00 for the primary insured, 50% for the spouse, and 10% for each one of the children, without taking the number of children into account.
• Accumulation of guaranteed cash Values.
• Values provide additional funds for pension payments.
• It is issued to heads of family between 18 and 60 years of age.

3. Twenty payments policy:

• 20 year policy.
• Structured for a limited period of payments, accumulating large cash values.
• It pays the face amount; besides, during the premium payment period, in the event of death all premium payments are paid back at the time of death.
• It includes a supplementary deposit contract from the age of 20 to the age of 65; later, it accrues a monthly life income.
• It pays the insured in the event of terminal illness or accidental dismemberment.
• It is issued to persons ages 0 to 45 who meet the requisites.

4. Educational policy:

• For the children’s Education.
• Minimum: $ 50,000.00
• High cash value.
• It provides parents with a special tool by creating funds towards their children’s education.
• It provides payments in case of death of the insured.
• It pays for terminal illness and accidental dismemberment.
• It is issued to children ages 0 to 14 who meet the requisites.

5. Policies for couples:

• Minimum $ 50,000.00
• It provides Life Insurance protection to two insured, either married or business partners.
• It pays for the death of the person who dies first.
• It is protection in the event of death as well as a pension income plan.
• It offers benefit payments in lifetime, payments for terminal illness to the insured; and a guaranteed monthly whole life income as of age 65.

6. Combined Policy:

• Minimum $ 250,000.00
• Composed of 50% whole life and 50% level term until the age of 65.
• It includes payment for terminal illness.
• It develops a large guaranteed cash value as well as investment values, to produce a guaranteed life income starting at age 65.
• It is issued to individuals between the ages of 20 and 65.

7. Double Combination Policy:

• Minimum $ 500,000.00
• Composed of 20% whole life and 80% level term until the age of 65.
• It includes payments to the insured for terminal illness.
• At the age of 65 the guaranteed cash values and share values may be used to accrue a life pension annuity.
• It provides Life Insurance coverage with a high cash value with a low premium amount for each $1,000 of face sum.
• The policy is issued to persons between the ages of 20 and 65.

8. Whole Life Endowment Policy:

• Minimum $ 50,000.00
• An endowment policy in twenty payments. In twenty years its cash value equals the face amount.
• A fast way to accumulate a significant amount of dollars at any age.
• It includes payments for terminal illness.
• Cash values increase the guaranteed monthly life income at the age of 65.
• It is issued to persons between the ages of 0 and 55.

9. Endowment Policy at the Age of 65:

• Minimum $ 50,000.00
• With a specific purpose of receiving income at retirement age.
• At age 65, with a plan of $100,000.00, the guaranteed cash value reaches $143,900.00, which represents $1,000.00 of guaranteed life income each month to a male person of 65 years of age.
• It includes a value investment element to increase pension income.
• Payment for terminal illness.
• It is issued to persons between the ages of 0 and 55.

10. Children’s Policy:

• Minimum $ 50,000.00
• An excellent Life Insurance start for your children.
• It develops high guaranteed cash values for your needs during your children’s school years or for retirement.
• When the insured turns 21, the policy automatically quintuples to $250,000.00 of the coverage without the need of exams to be insured.
• It also includes investment of derived values from annual policy benefits.
• It pays the Insured cash money in case of terminal illness.

11. Other Stipulations and Options that may be added to Whole Life Policies:

• Benefit Agreement due to Accidental Death or Dismemberment.
• Stipulations from Accidental Death Benefits.
• Stipulations from Accidental Death Benefits of the Beneficiary.
• Stipulation from Level Term Benefits.
• Stipulations from Decreasing Term of Benefits.
• Stipulations from Premium Exoneration due to Disability.
• Stipulations from Premium Exoneration Benefits due to Death of the Payer.
• Stipulations from Premium Exoneration Benefits due to Death or Disability of the Payer.
• All these Plans include the option of investing annual profits in Common stock, Type A of the Company issuing the same, which are listed on the American Stock Exchange.