Final Expense

Permanent whole life insurance to age 100 at affordable coverage amounts, designed to pay for immediate expenses such as medical, funeral, and probate fees incurred as the result of death. Plans offer a premium guarantee, cash value that builds at a steady rate and may be conveniently obtained with a simplified application process that will not require a medical examination or other home visits.

Why Life Insurance?

Life insurance is purchased because our loved ones must go on living. CSA offers a selection of products that could fit any budget. Plus, our knowledgeable representatives can tailor a financial security program that best fits your insurance needs.

Plan Type
Whole life insurance that matures at age 100

Plan Options

  • Level Benefit Whole Life - allows option of level lifetime premium payments or a single premium payment.
    • Increasing Benefit Option available with lifetime premium payment feature that allows for 4% compounded increase in death benefit beginning in the second policy year to a maximum of twice the original death benefit amount.
  • Graded Benefit Whole Life - level lifetime premium with a 30% death benefit payable in year one; 70% death benefit payable in year two; 100% of the death benefit is payable in year three and later. (The full death benefit is payable during years one and two only in the event of death due to accidental cause.)
  • Modified Benefit Whole Life - level lifetime premium with the death benefit equal to return of premiums paid plus 20% in the first two years; year three and later 100% of the death benefit is payable. (The full death benefit is payable during years one and two only in the event of death due to accidental cause.)

Features

  • Cash value builds at steady, guaranteed rate of 5%
  • Easy access to cash value via policy loan at 6%

Settlement Options

  • Payments for a Specified Period
  • Payments for Life
  • Payments for Life with Guaranteed Period
  • Interest Income

Premium

  • Competitive rates based upon 2001 CSO table
  • Rates based upon insured’s age last birthday
  • Payable during insured’s life to age 100
  • Rates guaranteed level (based on policy premiums being paid in a timely manner per the premium schedule)
  • Payment modes accepted: Annual, Semi-annual, Quarterly and Monthly PAC (bank draft)

Issue Ages
50 - 80

Rider

  • Accidental Death Benefit - available only on the Level Benefit and Increasing Benefit Whole Life (Lifetime Pay only) plans

Non-Forfeiture Options

  • Cash Surrender
  • Reduced Paid-up 
E-Mail request for
Product Information!

Certificates issued by:

CSA FRATERNAL LIFE
122 W. 22ND ST.
OAK BROOK, IL 60523-1557

All plans not available in all states. Issue ages may vary depending upon plan and eligible rate class. Contract provisions and benefits may vary by state.

The underwriting risks, financial obligations and support functions associated with the policies issued by CSA Fraternal Life are solely its responsibility. CSA Fraternal Life is responsible for its own financial condition and contractual obligations. CSA Fraternal Life does not solicit business in all states.

Product Menu

Fraternal Benefits available to eligible Final Expense members

  • Scholarship Grants. Undergraduate scholarships are awarded to eligible members attending an accredited institution full time.
  • Children security benefits available in the form of income, education grants and/or premium waiver in the event of the death of one or both parents.
  • Adult safeguard benefits for expenses not reimbursed by a relief agency in the event of a natural disaster, accidental death or physical injury incurred as a crime victim.
  • Newborn death benefit and guaranteed insurability.
  • ScriptSave. Provides member households with a personalized prescription drug discount card that is recognized by participating pharmacies nation wide.
  • LifeLink. A premier medical emergency alert system available at an affordable, one-time discounted charge to CSA members