Life Insurance Calculator

When purchasing life insurance, the question really isn’t how much you need, but how much capital your family will need at the time of your death. Click the image above to calculate your needs.

Real Life Stories

There are countless examples of people whose lives have been forever changed by circumstances beyond their control. Many of our videos highlight the true stories of people who’ve benefitted from sound insurance planning, or else found themselves in tough situations owing to lack of coverage. Hear how these survivors have persevered, and the valuable lessons they’ve learned. Plus we have a number of short videos that give you a quick overview of how insurance fits into your overall financial plan. Click the image above to view.

Life Insurance

Whole Life Insurance

Ordinary Whole Life Plan
Ordinary Whole life insurance is the most common type of permanent or “cash value” insurance. It provides you with the certainty of a guaranteed amount of death benefit, and a level premium that is guaranteed to never increase for life. Rates are “banded” which means that a person purchasing larger amounts of insurance will pay less premium for every $1,000 of insurance.  Issue ages 0-80.

20-Pay Whole Life Plan
With this whole life plan, premiums are paid for 20 years. After 20 years the policy is paid-up and will remain in force for the life of the certificate holder. Premiums for the 20-Pay Life Plan are higher than the ordinary whole life insurance plan since the premium payments are condensed over a shorter period of time. However, the cash value accumulates more quickly than the ordinary whole life plan. Rates are “banded” which means that a person purchasing larger amounts of insurance will pay less premium for every $1,000 of insurance. Issue ages 0-80.  Contact Headquarters or your Sales Representative for details.

10-Pay Whole Life Plan
With this whole life plan, premiums are paid for 10 years. After 10 years the policy is paid-up and will remain in force for the life of the certificate holder. Premiums for the 10-Pay Life Plan are higher than the ordinary whole life insurance plan since the premium payments are condensed over a shorter period of time. However, the cash value accumulates more quickly than the ordinary whole life plan. Rates are “banded” which means that a person purchasing larger amounts of insurance will pay less premium for every $1,000 of insurance. Issue ages 0-80.  Contact Headquarters or your Sales Representative for details.

5-Pay Whole Life Plan
With this whole life plan, premiums are paid for 5 years. After 5 years, the certificate is paid-up and will remain in force for the life of the certificate holder. Premiums for the 5-Pay Life Plan are higher than the ordinary whole life insurance plan since the premium payments are condensed over a shorter period of time. However, the cash value accumulates more quickly than the ordinary whole life plan. Rates are “banded” which means that a person purchasing larger amounts of insurance will pay less premium for every $1,000 of insurance. Issue ages 0-80. Contact Headquarters or your Sales Representative for details.

Single Premium Whole Life Plan
With this whole life plan, the premium is paid in one lump sum at the time of the application. In some cases, the initial premium may be higher than other whole life plans, but the longer the certificate remains in force, the more economical it becomes. This plan provides a fully paid certificate at a great savings. This is an excellent gift for grandchildren or children.  Issue ages 0-80.  Contact Headquarters or your Sales Representative for details.

Universal Life Insurance

Universal Life Insurance is permanent life insurance that offers flexibility and customization based on your insurance goals. Build your policy's cash value or focus on guaranteed protection--for your entire life, no matter how long you live.

Universal Life plans offered by the Polish Falcons of America* include Secure4Life, Value4Life, and Secure4Life Single Premium.

Policy Issue Age
Secure4Life 0-85
Value4Life 0-85
Secure4Life Single Premium 50-85

Click here for more information on Universal Life Insurance plans.

*All Universal Life Plans are underwritten by Catholic Order of Foresters.

Term Life Insurance

Term Life Insurance provides a death benefit for a specific time period. A term policy benefit pays only if the insured dies during the specified term, and the policy is in force at time of death.

Term Life plans offered by the Polish Falcons of America* include 30-Year Term, 20-Year Term, and 10-Year Term.

 Policy  Issue Age
 30-Year Term  18-45
 20-Year Term  18-60
 10-Year Term  18-75

*All Term Life Plans are underwritten by Catholic Order of Foresters.

Juvenile Term Insurance

This low cost life insurance plan is issued for children from ages 0 through 18 and provides protection to age 25. There are no cash values with this plan, but this plan is convertible to a permanent plan of insurance up to the age of 25. The Juvenile Level Term plan offers two plan options.

Single Premium Plan:

Premium  Face Amount
$100  $10,000
$200  $20,000

At age 25, the insured can convert this plan up to three times the face amount of the original certificate value without proof of insurability.

More Information

Click here to request additional information regarding financial services.