Permanent Insurance

DISCLAIMER The Thomas M. Frick Insurance Agency (TFIA) Website provides you with the ability to link to other sites on the worldwide web. TFIA does not endorse, promote or otherwise recommend in any way the products, services or information found through these links. Additionally, no warranty or representation with respect to the products or services made available through these links is provided by TFIA.

IMPORTANT NOTICE We welcome your communication via e-mail; however, we ask that you do not request changes or apply for coverages via e-mail. Please call our office so that we can properly assist you. We ask that you do not use e-mail to submit claims. In order to be sure that we have all of the necessary information for processing, please call our office to report a claim. We cannot assure that requests or changes will be properly addressed if they are relayed to us via e-mail. Finally, our agency cannot insure the confidentiality of any information transmitted via e-mail.

ERIE's Permanent Life Insurance Plans

For most people, the need for life insurance never goes away. As time passes, circumstances and plans change, but the need for protection never stops. That is why you should consider permanent life insurance. Permanent life insurance plans from Erie Family Life provide:

Guaranteed coverage that does not decrease and will not expire.
Guaranteed cash values that can be borrowed to take advantage of future opportunities.
Guaranteed premiums that do not change regardless of your health.

All of Erie Family Life's permanent life insurance plans give you guaranteed protection, cost and value.

Whole Life

Erie Family Life's Whole Life policy provides a level death benefit and remains in force for as long as you continue paying premiums. Whole Life also provides guaranteed cash values that increase every year. The cash values can be borrowed for opportunities or emergencies. A Whole Life policy is an excellent choice because it can meet a variety of needs.

An education fund for your children.
Medical bills, final expenses and estate costs.
Support for those dependent on you. The minimum policy is $5,000 and issue ages are 0 through 80.

20-Pay Life

This is a limited payment permanent life insurance plan. The death benefit remains level and premiums are payable for only 20 years. 20-Pay Life is an excellent plan for individuals who want lifetime coverage without lifetime premiums. Cash values increase each year and are available to borrow. The minimum 20-Pay Life policy is $5,000, and issue ages are 0 through 70.

Life Paid-Up at 65

This plan is also a form of limited payment permanent life insurance. It combines a level death benefit with level premiums that are payable until age 65. The minimum Life Paid-Up At 65 policy is $5,000 and issue ages are 0 through 55. Since premium payments stop at age 65, the policy is commonly used for retirement planning.

Optional Protection

The following riders are available on most permanent life insurance plans from Erie Family Life:

Accidental Death Benefit
Waiver of Premium Disability Benefit
Guaranteed Insurability Option
Payor Waiver Benefit
Spouse/Children's Term Insurance
Children's Term Insurance

The Thomas M. Frick Insurance Agency can give you details on how to use these options to design a policy to meet your specific needs.

Back to Life Insurance