Whole Life Insurance

A Whole Life Insurance Plan can provide you with life insurance coverage for your entire or "whole" life while building valuable savings as long as your policy remains in force.
Whole life plans offer:

  • Guaranteed death benefit.
  • Level premium payment.
  • Permanent coverage that can never be cancelled if premium payments are made when due.

The following Riders can be added to your policy:

  • Accidental Death and Dismemberment 
  • Waiver of Premium Benefit

An individual Whole Life policy can be an effective method of protecting and increasing your family's assets. Here are many of the great uses for your Whole Life Policy:

  • Mortgage protection
  • Retirement Funding
  • Education Funding for your children and grand children
  • Provide funds for your final and estate expenses so your loved ones can keep your assets and won't have to borrow.
  • Help your dependents pay off mortgages and other outstanding debts in the event of premature death.
  • Build cash values that can be accessed through policy loans or surrender to supplement retirement income in the event you no longer need death benefits.

Choose from three excellent plans designed to meet you and your family’s needs today and into the future.

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  • Life Shield

    Affordable Protection for Life

    Life Shield offers you an efficient, low-cost and straightforward life insurance policy that also provides a lump sum cash payout (minimum $10,000), giving you and your dependents the comfort of knowing they will be financially secure if you should die. It is not an investment plan, but it offers essential protection that every family needs.

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  • Life Shield Premier

    Protection for now and later

    Life Shield Premier is a long-term policy with a savings component that provides a lump sum for your dependents should you die during the “term” of the policy. The savings element increases in value over time producing a greater lump sum payment upon death and if you suffer a terminal illness, BAF will pay an early lump sum benefit.

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  • Alternative Access

    Mature in age. Young at heart

    Alternative Access is a completely different style of insurance policy that makes good quality life insurance available and easy to buy for people from ages 50 to 70 years. Choose the amount of insurance you need and the premium you want to pay knowing that your rate is level and guaranteed for life

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  • Parent's Promise

    Make your child a promise

    Parents’ Promise is a Whole Life Insurance policy that protects your child while building a valuable nest egg for their future. Parents Promise is available for children from birth to age 13 and grows as they grow into a lump sum which can be used for your child’s education, as a downpayment on a home or to fulfil their wildest dreams.

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  • Final Expense

    Making life a little easier

    The emotional and financial stress of loss can be overwhelming. With Final Expense Life Insurance your family wont have to use their limited savings, sell precious assets or borrow from friends to cover all the costs of a funeral. With the right plan, there can be enough to cover medical bills and pay outstanding debts.

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