2009 List of Providers of Whole Life Insurance

by L.A.S.

Whole Life insurance has seen a huge resurgence of interest in recent years. Many whole life policies are substituting for long-term care insurance for those who cannot qualify for that specific insurance policy; the fact that most whole life insurance policies can include a rider allowing for “accelerated benefits” in case of terminal illness has been a real boon for both insurers and for consumers. Also the tax benefits as opposed to an annuity or other investment is a consideration.

Many of the products listed below are only for workplace insurance offerings, but many also offer individual policies. This list may not be completely comprehensive. Please also consult the 2008 list for other companies, and your state insurance commissioners office. For the latter you can begin the search by going to NAIC online (National Assn. of Insurance Commissioners) and then click on your state; this will take you to your state's insurance commission and you will find a comprehensive listing of insurers who are licensed to operate in your state.


American Family Life Assurance Co. of Columbus (Aflac): aflac.com; 800-992-3522; all states; issue ages 18-65.
Americo Financial Life and Annuity Insurance Co.: americo.com; 800-231-0801 x 8410; all states EXCEPT AL ME MS NY VT WA, “Ultra Protector” series issue ages 50-85.
Colorado Bankers Life Insurance Co.: cbl-life.com; 800-367-7814; all states EXCEPT MN MT NJ NY ND VT WA WV; “Preferred Golden Protector” issue ages 15-85.
EMC National Life: emcnationallife.com; 800-232-5818; all states EXCEPT DE MD MA NJ NY; Workplace Increasing Whole Life issue ages 18-70. EMC National Life Co., at emcnl.com, also offers “Worksite Increasing Whole Life” for issue ages 0-70.
Equitable Life & Casualty: equilife.com; 800-352-5170; all states EXCEPT AR CA DC FL GA HI MD MA MN NJ NY NC PA WA WV WI; issue ages for Equilife Legacy 3 is 18-84. Equilife Legacy I is offered in all states EXCEPT AL CA DC HI MD MA MN NJ NY WA WI, same issue ages. Equilife Legacy II is offered in all states EXCEPT AL CA DC FL GA HI MD MA MN NJ NY NC PA WA WV WI, same issue ages.
Illinois Mutual: illinoismutual.com; 800-437-7355 x782; “Interest Sensitive Whole Life Insurance” is offered in all states EXCEPT AK HI MT NJ NY PA; issue ages for employees is 15-79.
M & O Marketing: mandomarketing.com; 800-228-5964; all states; issue ages 0-85.
Medico Insurance Co.: gomedico.com; 800-228-6080; offered in AR CO ID IA KY MO NE NV NM OK OR SC TN UT WV WY; issue ages 50-85 for “Final Expense Whole Life A04 or A05”.
National Life Insurance Co.: nationallife.com; 802-229-3333; NL LifeBuilder offered in all states, issue ages 0-85.
Royal Neighbors of America: royalneighbors.org; 800-770-4561; “Royal Prime” permanent whole life offered in all states EXCEPT AL AK DE DC HI LA MA MT NV NH NY SC VT WI WY; issue ages 0-85. Policies bought at ages 0-60 may be paid up by age 65.
Senior Market Sales Inc.: seniormarketsales.com; 402-397-3311; whole life policies offered in all states EXCEPT NY; issue ages 0-80.
Starmount Life Insurance Co.: insurancelife.com; 1-888-saylife or 888-729-5433 x112; “Value Life Gold” offered in all states EXCEPT AL DE DC HI ID IA MS MT NV NH NJ NY UT WY; issue ages 0-80.
Texas Life Insurance Co.: texaslife.com; 800-283-9233 x6845; “VPL-plus” offered in all states EXCEPT NY; issue ages 17-70 (dependents 6 mos-18 yrs).
Transamerica Worksite Marketing: transamericaworksite.com; 800-322-0426; “Transure” offered in all states EXCEPT CA FL MA MN MT NJ OR PA VT VA WA; issue ages 16-70 (children or grandchildren ages 0-24).
United of Omaha Life Insurance Co.: mutualofomaha.com; 402-351-5770; “Whole Life Express” offered in all states EXCEPT NY; issue ages 0-80.
Universal American: universalamerican.com; 800-538-1053 x8357; “Senior Tribute” final expense offered in all states EXCEPT AK HI MN MT RI WA WY; issue ages 45-85.
Unum: unum.com; 866-679-3054; “Interest Sensitive Whole Life” offered in all states; issue ages 15-80 (dependents 14 days to 24 yrs).

2009 List of Providers of 401k Plans

by L.A.S.

The following is a list of companies that offer 401k plans. It is up to date as of Fall 2009, but we cannot guarantee that it is an all-inclusive list. Please consult with your certified financial planner regarding specific features of plans that will best fit your needs. Providing this list does NOT imply endorsement, and none should be assumed. You must determine which company's plans best suit you.

All allow tax-free loans from your plan EXCEPT Redwood Administrators, and Underwriters Marketing Service. All provide 401K rollover and consolidation EXCEPT Best 401K Inc., and Omega Recordkeeping.

ADP Retirement Services: adp401k.com; 973-712-2000
Advanced Benefits Consulting: 314-539-0836
Alliance Benefit Group: abgnational.com; 800-242-2356
American Pension Services LLC: americanpension.net; 813-281-0707 x110
American United Life Insurance Co: oneamerica.com; 866-313-7355
The Best 401K Inc.:thebest401k.com; 800-430-8054
CBIZ Retirement Consulting Inc.: cbiz.com/retirement; 407-475-1765
Charles Schwab: scrs.schwab.com; 877-456-0777
CPI Qualified Plan Consultants Inc.: cpiqpc.com; 800-279-9916 x765
Daily Access Corp.: dailyaccess.com; 888-535-4322
Elite Marketing Insurance Designers of Houston: elitemktg.net; 800-477-3548
Expert Plan Inc.: expertplan.com; 609-918-2500
Future Benefits of America: fb401k.com; 901-843-7799
Gradient Investments: gradientinvestments.com; 888-824-3525
Great-West Retirement Services: gwrs.com; 800-537-2033
Guardian Insurance & Annuity Co. Inc.: guardianlife.com or guardianretirement.com; 866-390-7268
Harbor Insurance Marketing Inc.: harborins.com; 866-424-2167
ING: ingretirementplans.com; 888-639-2798
Ingham Retirement Group: ingham.com; 305-671-2200
Lafayette Life Insurance Co.: lafayettelife.com; 765-477-7411
Lincoln Trust Co.: LincolnTrustCo.com; 303-658-3000
Managed Resources: mgdresources.com; 208-773-6924
MBM Advisors Inc.: mbm-inc.com; 713-221-3117
McCready and Keene: mcak.com; 804-639-1395
Mercer: mercer.com; 857-362-2000
Mutual of Omaha: getretirementright.com; 877-401-7253
MVP Plan Administrators Inc.: mvpplanadmin.com; 866-687-6877
Noble-Davis Consulting Inc.: noblepension.com; 440-498-8408
Omega Recordkeeping Group: onlineretirement.org; 864-699-6900
The Online 401K: theonline401k.com; 877-775-4015
Paychex Inc.: paychex.com; 800-322-7292
Principal Financial Group: principal.com; 800-986-3343
Putnam Investments: putnam.com/401k; 800-719-9914
Redwood Administrators Inc.: redwoodadmin.com; 866-724-7770
The Retirement Advantage Inc.: tra401k.com; 888-872-2364
The Revzon Consulting Group: revzonconsulting.com; 877-254-7085
Securian Financial Group Inc.: securian.com; 877-876-4015
The Standard: standard.com; 877-805-1127
Transamerica Retirement Services: ta-retirement.com; 888-401-5826
Underwriters Marketing Service Inc.: callums.com; 856-727-1900
USI Consulting Group: usicg.com; 860-633-5283
Vaughan & Associates Inc.: retirementplansolutions.com; 864-271-1298
Wells Fargo: wellsfargo.com; 800-368-1225
Wellth Counselors: inthesafe.com; 970-744-4626

Best wishes!

Do You Have a Vision Plan? A list of carriers to research to find a plan that fits your needs --

Right now this is just a list of insurance carriers that offer vision insurance plans. I also give their website address and which states they operate in. Will follow up later with something on what to ask for when talking to an agent.

Advantica Eyecare -- AdvanticaEyecare.com (available in all states)
Aegis Administrative Services Inc. -- Aegisadmin.com (all states)
AIG Accident & Health Division -- AIG.com (all states)
AIG Employee Benefit Solutions -- AIGebs.com (all states)
AlwaysCare Benefits Inc. -- AlwaysCareBenefits.com
All states EXCEPT MA, NY
Avensis -- Avensis.com (all states)
BEST Life -- bestlife.com (all states)
Block Vision -- BlockVision.com
ONLY available in CT, DE, MD, NJ, NY, PA, TX, WI
Brokers National Life Assurance Co. -- BNLAC.com
All states EXCEPT CT, MA, NH, NY, VT
Co/op Optical Vision Designs -- COOPoptical.com (all states)
Companion Life -- CompanionLife.com
All EXCEPT CA, CT, HI, IL, ME, MT, NJ, NY, NC, WA
Denali Vision -- DirectBenefits.com (all states)
Dental Select -- DentalSelect.com (ONLY in NV TX UT)
EyeMed Vision Care -- EyeMedVisionCare.com (all states)
Group Link -- GroupLinktpa.com (all states)
Insurance Design Administrators -- idatpa.com (all states)
Kansas City Life Ins. Co. -- KCLgroupbenefits.com
All EXCEPT CT, MN, NJ, NY, PA, VT
New Benefits -- NewBenefits.com (all states)
OptiCare -- Opticare.com
All EXCEPT AL, IN, NY
OUTLOOK Vision Svcs. -- OutlookVision.com (all states)
Patriot Health Inc. -- PatriotHealthFamily.com (all states)
Preferred Vision Care -- PreferredVisionCare.com (all states)
Primary Vision CareServices Inc. -- PVCS-usa.com
ONLY in AR CO FL KS LA MO OH OK TN TX
Principal Financial Group -- Principal.com
All EXCEPT MD, VT
Shenandoah Life Ins. Co. -- ShenLife.com
ONLY in DE IN KY OH SC TN WV WI
Spirit Vision -- DirectBenefits.com
All EXCEPT FL ME MA NH NJ NY RI VT WA
Standard Ins. Co. -- Standard.com
ONLY in AL AR CA CO CT DE FL GA ID IN IA KS KY LA MN MS MO MT NE NH NM ND OH OK
OR SC SD TN TX UT WV WI WY
Superior Vision -- SuperiorVision.com (all states)
Transamerica Worksite Mtg. -- TransamericaWorksite.com (all states)
US vision & dental -- USAvision.net (all states)
Vision Ins. Plan of America Inc. -- VisionPlans.com (WI only)
VSP Vision Care -- VSP.com (all states)

In addition, please note that discounts on laser vision correction are offered by:
All EXCEPT Co/op Optical and Kansas City Life. Discounts vary per carrier.
[Good Luck to all of you considering a plan. Also you could possibly do just as well by shopping the sales, going to a local discount outlet, and buying a spare pair at the same time. Lots of times, I have bought at 2-for-1 sales.]