CinFin offers three comprehensive options:
– "IF”: **Term Life insurance** provides guaranteed protection for a specified time period and pays a benefit if you die in this period of time.
– “WHEN” **Whole life insurance** is permanent life insurance and costs more than term because the policy is designed to cover you for your whole life.
– ”THEN”ー **Return on Premium life insurance** with a money-back guarantee after the 20 years.
[Access the detailed script here](https://drive.google.com/file/d/1GkXWVE8wJlngvsPYrHJfPP3zArMBq7cQ/view?usp=sharing).
[Access the state-specific application.](https://bnfts.us/mount-zion-school-district-illinois)
[Rates Table](https://drive.google.com/file/d/1aikMM_-cblkvylgesjJ_HcIvMIQh7OAr/view?usp=sharing)
[MTZ Census](https://drive.google.com/file/d/1UEjRe_Vfr9Rfw3iKZsITjU6naCXeXHap/view?usp=sharing)
**Guaranteed Issue Rules**
**Employee – any combination of WL/Term/Term ROP.**
Ages 18 – 50 = $100,000
Ages 51 – 60 = $75,000
Ages 61 – 70 = $25,000
**Spouse ーMust work outside the home 20 hours or more per week**
Ages 18 – 60 = $15,000 WL Products Only
Ages 18 – 60 = $25,000 WL/Term/Term ROP with stipulation that employee purchased on self.
Ages 61 – 70 = Simplified Issue
**Dependents**
Ages 15 days – 17 years = $10,000 WL Products Only
Ages 18-25 = $10,000 WL Products or $25,000 of Term/Term ROP.**
Must be Full-time Students, unmarried, and not in the military.
**Choose one of these options for Guaranteed Issue
Grandchildren = Simplified Issue