It is important to find the insurance that fits the personal requirements of yourself and your family. Many elements need to be taken into account before choosing the plan for you, such as the type of coverage, the amount of coverage you will need, your budget, and potential developments in your life. ALMSC can relate the perfect life insurance plan to your current and future needs.

Freedom of Choice - Final Expense Plan (Whole Life)
This whole life insurance plan is designed to take care of immediate financial needs placed on a family when a loved one passes away. As the name implies, families have the freedom of choosing the funeral home, location, and type of funeral when it is needed.

Whole life policies provide you with the knowledge you will have permanent coverage with fixed premiums for the existence of the policy and the benefit amount will be paid in full to your beneficiary.

The death benefit is payable upon the insured's death regardless of how long the insured lives. Premiums are payable during the entire lifetime of the insured. On a per-$1,000 basis, whole life has the highest cash values and paid up values of these plans. A whole life policy with premiums payable to age 65 is also available.

• Remember this policy has a Cash Value which you can borrow against (like a savings account)

Other Supplemental Insurance

ACCIDENT POLICY - The plan provides benefits for accidental death and dismemberment as well as hospital confinement and intensive care treatment if related to an accident. In addition, the policy pays a benefit if the member has emergency room treatment as a result of an accident when treated within 72 hours of the accidental injury.

HOSPITAL INDEMNITY - This plan provides a fixed benefit when a member is in the hospital due to an illness or accident.

CANCER PROTECTION - Policies provide specific coverage for treatment of cancer or a single sum benefit when an insured is diagnosed with cancer.

CRITICAL ILLNESS - This policy pays a onetime lump sum payment when an insured is first diagnosed with a covered critical illness.

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