The Cornerstone Series

An innovative pre-need funding solution for funeral homes

leaf arrow Learn more about our latest innovation, Cornerstone Index Advantage — 
giving you higher growth potential — with protection from market losses.

The Cornerstone Series is built to offer you pre-need products and solutions that address the long-term effects of inflation and at-need shortfalls. In addition, it provides your families with solutions for all ages, regardless of their health or financial situation. Choose the option — Cornerstone I, Cornerstone II, or Cornerstone Index Advantage — that best meets your needs, and gives you growth when you want it most. See our current New Business Growth Rates.

Growth upon issue Yes No No
Growth after issue Starts after 6 months* Starts after 1 year* Starts day 1*
Growth after issue rate Same for all ages Same for all ages Same for all ages
Growth crediting Compounded and credited daily Compounded and credited daily Compounded and credited daily
Growth equality index-driven No No Yes
Early payoff (0 – 6 months) Same as cash Same as cash Same as cash
Early payoff (7 + months) Simple discounts of 10% – 40% off remaining premiums Simple discounts of 10% – 40% off remaining premiums Simple discounts of 10% – 40% off remaining premiums
Credit card payment option available after issue Yes Yes Yes
Electronic claim payments deposited directly into your bank account Yes Yes Yes

Inflation Guard — Extra Security From Rising Costs

Based on feedback from funeral home owners like you, we enhanced our products with Inflation Guard, the industry’s first product to address shortfalls. Inflation Guard allows the family to share in the risk, and gives you additional growth crediting — lowering the burden on your funeral home while still allowing you to guarantee prices.

Two levels of protection are available, allowing you to choose the enhancement that best fits your needs. Exclusively available to families who choose Inflation Guard, our Body Transportation Rider is added to the pre-need policy at no extra cost.


Additional premium family pays for guaranteed goods and services 5.0% increase 10.0% increase
Additional growth rate for funeral home on guaranteed goods & services 0.5% increase 1.0% increase
Body transportation rider available Yes Yes

* Daily growth credited after 2 years for insureds over age 91+
Underwritten by Physicians Life Insurance Company; not available in all states. Products and features are subject to change and may vary by state.