NCC is an FMO specializing in Medicare and senior health & financial insurance. Learn more 

Occidental Life Contracting & Appointment 2019

Occidental Life Insurance Company of North Carolina is a part of the American-Amicable group of companies which consists of American-Amicable Life Insurance Company of Texas, IA American Life Insurance Company, Pioneer American Insurance Company and Pioneer Security Life Insurance Company.

Tracing its roots back to 1910, the Company continues to grow and prosper and has consistently maintained a solid financial position. Occidental Life has a longstanding heritage of providing a diverse portfolio of quality life insurance products.

Final Expense

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD MI MO MS NC ND NE NJ NM NV OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Issue ages 50 to 85 (Age Last Birthday); Golden Solution Whole Life Insurance offers Immediate Death Benefit, Graded Death Benefit and Return of Premium Death Benefit policies.

Premium Paying Period: To age 100. Minimum Death Benefit: $2,500 ($5,000 in Washington); Maximum Immediate Death Benefit: $35,000 (ages 50 to 75), $20,000 (ages 76 to 85); Maximum Graded Death Benefit: $20,000 (ages 50 to 85); Maximum Return of Premium Death Benefit: $20,000 (ages 50 to 85).

Golden Solution Immediate Death Benefit is a simplified issue whole life policy with level death benefit of 100% of face amount paid immediately.

Golden Solution Graded Death Benefit is a simplified issue whole life policy which pays 30% of selected face amount the 1st year, 70% paid the 2nd year and 100% paid the 3rd and subsequent years. For accidental death anytime the policy is in force, the selected face amount is 100% payable.  

Golden Solution Return of Premium Benefit is a simplified issue whole life policy which pays return of premium plus 10% interest for 3 years if under age 65, 2 years if age 65 or older.  For accidental death anytime the policy is in force, the selected face amount is 100% payable.

Terminal Illness Accelerated Benefit and Accelerated Benefit Confined Care Riders are included at no additional premium, where available. 

Optional Benefits and Riders: Grandchild Rider (also covers Great Grandchildren), Nursing Home Waiver of Premium Rider, Children’s Insurance Agreement Rider and Accidental Death Benefit Rider; may vary by plan and state.

A telephone interview is required with the Proposed Insured on every application for the Immediate and Graded Death Benefit Plans prior to the policy being issued.

Contract Online With Occidental Life

Agents are busy people. Avoid printing, faxing, and mailing. Contract online in minutes.

Request a Free Carrier Contracting Kit

Let us email you a contracting kit for any of the dozens of insurance carriers we represent. Kits typically include:

  • Updated for 2019 Brochures
  • Commissions
  • Rates
  • Underwriting Guides
  • All specific to your state

Our Carrier Library Will Amaze You

Explore our up to date library of tens of thousands of files from dozens of carriers, organized by state. Rate sheets, applications, underwriting guides, brochures, and more.


Occidental Life Appointment & Contracting