La Capitale Life Insurance

Protection for your family is a worthy cause, and La Capitale makes family insurance planning easier with their unique series of integrated insurance plans. Rather than look for plans to fit your family’s needs into, La Capitale offers all-inclusive plans, customized for each member of your family and their own stage in life.

La Capitale offers the following insurance Plans:

Term Life Permanent Life No Medical Life Critical Illness
Type of PlanTerm LengthEligibilityBenefits
Term Insurance Series10, 15, 20, 25, 30, or 35 year termsAges 0 to 70Renewable to age 85 and convertible to age 65 without a medical exam. Fixed premiums for the length chosen.
20.10 Protection20 year term with 10-year opt-outAges 18 to 60Convertible without medical exam to age 65. A cash surrender option is available after 10 years.
The Provider15, 20, 25 year termsAges 18 to 70This plan provides monthly payments instead of a lump sum benefit for the length you have chosen.
Term Life
Type of PlanTerm LengthEligibilityBenefits
Term Insurance Series10, 15, 20, 25, 30, or 35 year termsAges 0 to 70Renewable to age 85 and convertible to age 65 without a medical exam. Fixed premiums for the length chosen.
20.10 Protection20 year term with 10-year opt-outAges 18 to 60Convertible without medical exam to age 65. A cash surrender option is available after 10 years.
The Provider15, 20, 25 year termsAges 18 to 70This plan provides monthly payments instead of a lump sum benefit for the length you have chosen.
Permanent Life
Type of PlanTerm LengthEligibilityBenefits
100% Pure ProtectionFor Life, option to stop paying after 10 yearsUp to age 80Level premiums until the date you wish to stop paying. After 10 years, you have a guaranteed benefit amount. Built in critical illness benefit.
100% Pure EvolvementFor Life, option to stop paying after 10 yearsUp to age 80Paid-up benefit after 10 years. Premiums are lower in the first 10 years and are adjusted every 5 years thereafter.
No Medical Life
Type of PlanTerm LengthEligibilityBenefits
Simplified AdvantageFor LifeAges 40 to 80Coverage up to $100,000 with no medical exam. Living benefit for terminal illness is included. Cash surrender value on this plan.
Horizon 50+For LifeAges 50 to 75Up to $20,000 in coverage with only a few health questions. Available as a joint plan. Ideal for individuals with health issues.
AffirmativeFor LifeAges 18 to 80Up to $25,000 with no medical exam. Only four health questions. Guaranteed benefits and fixed premiums for life.
Critical Illness
Type of PlanTerm LengthEligibilityBenefits
Second Chance Critical Illness Insurance15 years, to Age 65, or to age 75Ages 0 to 60Covers 25 critical conditions and 2 juvenile conditions. Included Best Doctors benefit provides medical aid services at no charge.
Simplified Second Change10 years or to Age 75Ages 18 to 60No medical exam. Covers 6 major conditions. Health Option provides a reimbursement of premiums if no claim is made.

We are pleased to offer all life insurance products provided by La Capitale. For a quote on all available life insurance plans, please use our no-obligation quote provided on the right to explore your options and find the right fit for your needs.