Modern Woodmen of America's MaxCL Pro is designed for those who are looking for both lifetime protection and an economical price. This universal life plan is more affordable and flexible than some permanent plans. And the Member Protection Guarantee provides a secondary guarantee that your coverage will be there when needed most.
Choose a guarantee period
You have the ability to guarantee your coverage to age 121 and beyond. Reduce your premium by selecting a shorter guarantee period (such as to age 90 or 95) instead of the full lifetime guarantee.
Choose your premium
Adjust the premium and/or how often you pay the premium within certain limits as your income and budget change. (This can affect your guarantee duration.)Adjust your coverage
Insurance amounts start as low as $50,000 of coverage for individuals ages 18 to 80. Increase or decrease the amount as your life insurance needs change without purchasing a new certificate. (Proof of insurability may be required for increases.) If your surrender value is high enough, you could take a paid-up certificate and never pay another premium again.
Build cash value
You can accumulate extra funds tax-deferred at a guaranteed minimum 3 percent interest rate. Borrow or take a withdrawal from the surrender value to cover financial emergencies and other expenses. Surrender charges may apply to withdrawals.