Term Life
Term Life
The easiest, most affordable way for your clients to purchase protection.
Features
- Simple term coverage for 10, 15, 20, 25 or 30 years.
- Guaranteed level premiums.
- Coverage for ages 18-74.
- Risk classes include non-nicotine (PP, P, Sel., and Std) and nicotine (P and Std).
- Available riders: accidental death rider, waiver of premium, children’s rider, and accelerated death benefit.
- We offer a conversion option to either a whole life policy or a universal life policy. It’s available at any point prior to the earlier of attained age 70 or the end of the level term period.¹
Two Underwriting Processes
- Accelerated Underwriting (AU): We offer a fast, convenient AU experience with real-time decisions, for face amounts up to $1,000,000 and for ages 18-50².
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Traditional Underwriting: Face amounts above $1,000,000 for all ages and non-qualifying AU cases are underwritten with a traditional medical exam.
Term Life Resources
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