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Encova offers some of the best renewals in the Final Expense industry. It's often a good fit for clients using maintenance drugs.

Encova also offers a full line of underwritten products.

ENCOVA HIGHLIGHTS

  • Rated A- by A.M. Best​

  • Annual Incentive Trip (More Info)

  • Prospects taking maintenance medications for heart attack, stroke, and cancer may qualify for immediate benefits.

  • Child and grandchild rider available for $1 a month.

  • Free Return of Mortal Remains service if insured should die more than 300 miles away.

  • Huge renewals.

  • Commissions Paid Weekly

 

PRODUCT INFORMATION

SIWL/GBD PRODUCT (PDF)

  • Sample Application (pdf)

  • Covers ages 0-80 SIWL or 50-80 with GDB product.

  • Immediate underwriting decision.

  • Only 25 knockout drugs on the Rx list (compare to 200+ for many companies). (pdf)

FULL PORTFOLIO OF UNDERWRITTEN PRODUCTS (PDF)

  • Dividend Paying Whole Life.

  • Non Par Whole Life with many rider options.

  • Permanent & Term Life Combo

  • Universal Life with optional lifetime guarantee to age 120.

  • Single Premium Whole Life

  • Youth Life Protector

  • 10, 15, 20, and 30 Year Term

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NON PAR WHOLE LIFE, A FULLY UNDERWRITTEN PRODUCT

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ENCOVA IS AVAILABLE IN:

FL, GA, IL, IN, IA, KY, ME, MN, NE, OH, PA, SC, TN, VA, WV, WI

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