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For more information call the Polish National Alliance Toll Free at 1-800-621-3723 or contact your local Sales Representative

20 Year Level Term

  • The coverage amount is established at issue and remains level for the life of the certificate.
  • Premiums remain level for 20 years.
  • A preferred nonsmoker risk class is available only for face amounts of $100,000 and up.

Convertible: Guaranteed conversion – at any time you may convert all or part of your insurance (the same amount or lower) to any PNA permanent policy without a medical exam up to the age 70.

Renewable: The plan is renewable at the end of the 20-year term period. Guaranteed Renewal – once you qualify, no future medical exam is required. Your renewal is guaranteed to age 95 (to age 80 in New York).

Issue Age: 20-50 (age last birthday)

Available Riders:
  1. Disability Waiver of Premium (20-64)
  2. Accidental Death Benefit (20-69)
Explanation of Riders »

10 Year Term

  • The coverage amount is established at issue.
  • The current premium rate is designed to remain level over each ten-year period and Death Benefit remains level.
  • A preferred nonsmoker risk class is available only for face amounts of $100,000 and up.

Convertible: Guaranteed conversion – at any time you may convert all or part of your insurance (the same amount or lower) to any PNA permanent policy without a medical exam up to the age 70.

Renewable: Guaranteed Renewal – once you qualify, no future medical exam is required. Your renewal is guaranteed to age 95 (to age 80 in New York).

Issue Age: 20-60

Available Riders:
  1. Disability Waiver of Premium (20-64)
  2. Accidental Death Benefit (20-69)
Explanation of Riders »

Student Term to Age 25 Plan

  • This plan is available to applicants between ages of 0 – 23.
  • The premium rates for each $10,000 of the face amount is $15 per year for both a male and a female.
  • Plan can be converted to permanent insurance before age 25.
  • The insurance coverage expires at age 25.

Renewable: Up To 25

Convertible: Up To 25

Available Riders: None

Plan does not qualify for subsidies and scholarship program.
Does not qualify for Tuition Rewards, Scholarship plans or any subsidies.


Explanation of Riders »