 In order to become an SNPJ member, a person must purchase a life insurance policy. We offer two basic types of policies: permanent and term insurance. Products are available for everyone ages 0 to 85, with plans to fit every budget.
SNPJ Permanent Insurance
Permanent insurance is best known by the generic names of Whole Life or Universal Life. Unique characteristics of a permanent insurance policy include lifetime protection, level payments, cash or loan values, paid-up insurance options and dividends offered on certain products. SNPJ currently offers eight different permanent insurance plans, each designed to fit a certain niche.
SNPJ Term Insurance
Term insurance is insurance protection for a specific period of time, such as one year, 10 years or more. Term insurance usually has a low initial payment and is the type of insurance that has no cash value. The death benefit is paid only if the insured dies while the policy is in force. There are many variations of term insurance on the marketplace. SNPJ offers three types of term insurance products: Yearly Renewable Term, 10-Year Level Term and Term to Age 25.
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Click on the plan name above for a brief description of each plan SNPJ offers.
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