Term Life
Term Life
The easiest, most affordable way for your clients to purchase protection.
Features
- New, lower monthly rates make our term coverage more competitive than ever, with 30-Year Term rates ranking #1 over 50% of the time and in the top 3 more than 60% of the time.¹
- 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.²
Our Accelerated Underwriting Just Got Better!
We support two underwriting processes to serve your clients:
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Accelerated Underwriting (AU): A fast and convenient experience with real-time decisions³ for:
- Face amounts up to $1,000,000 for ages 18–50
- Face amounts up to $500,000 for ages 51–60
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Traditional Underwriting: For cases that fall outside AU criteria:
- Face amounts over $1,000,000 for ages 18–50
- Face amounts over $500,000 for ages 51–60
- Non-qualifying AU cases will be underwritten with labs/vitals
Term Life Resources
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