Term Life
Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments and/or conditions. If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
Term life provides a cash benefit should you die within the specified term. Our competitively-priced Term Life can be ideal for clients needing affordable life coverage for important life events such as marriage, birth or adoption of children, and the purchase of a new home.
Acci-Flex Term Life
Acci-Flex is a non participating, accidental death benefit, guaranteed premium term life insurance policy.
Issue Ages: 18-60
Issue Amounts: $50,000 to $250,000
Underwriting Classes: Male, Female
Three optional riders
NonMed Term 350
Non Med Term 350 Life Insurance is competitively priced on a fully underwritten, non-medical basis, and is ideal for a variety of needs including mortgage protection. No blood draw is required.
Issue Ages: 18-65
Issue Amounts: $50,000 to $350,000
Underwriting Classes:
Select+ non-tobacco/tobacco
Select non-tobacco/tobacco
Standard non-tobacco/tobacco
Seven available riders, including Critical Illness
Term 350 Plus
This product is a guaranteed-premium term life insurance policy. It is fully underwritten and meets a variety of needs.
Issue Ages: Ages 18-74
Issue Amounts:
$350,001 and up
$100,001 and up for ages 66-75
Underwriting Classes:
Preferred+ non-tobacco
Preferred non-tobacco/tobacco
Standard non-tobacco/tobacco
Seven available riders including Critical Illness Rider
