Term Life Answers

Term Options: 10, 15, 20 and 30 Years

Issue Ages: (Age Last Birthday)

  • 10 Year: 18-80 (18-75 Tobacco Classes)
  • 15 Year: 18-74 (18-70 Tobacco Classes)
  • 20 Year: 18-68 (18-65 Tobacco Classes)
  • 30 Year: 18-55 (18-50 Tobacco Classes)

Minimum Face Amount: $100,000

Conversion Option Available

Riders Available At No Additional Cost: Accelerated Death Benefit for Terminal Illness Rider, Waiver of Premium for Unemployment Rider

Riders Available: Accidental Death Benefit Rider, Dependent Children’s Rider, Disability Waiver of Premium Rider, Other Insured Rider

Special Features:

  • Fit Underwriting Program
  • Occasional cigar use (no more than 12 cigars per year) is considered non-nicotine if current nicotine test is negative

Sales Tools

AudienceDocumentUpdatedLink
Advisor Use OnlyForms11/20/2025Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide03/10/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseConsumer Flyer09/12/2025624009Click Here
Consumer UseConsumer Brochure09/12/2025210599Click Here
Consumer UseGrandparents Consumer Brochure04/01/2026213129Click Here
Advisor Use OnlyMutual Perks Advisor Flyer11/11/2025461403Click Here
Advisor Use OnlyAdvisor Guide09/12/2025327910Click Here
Advisor Use OnlyAccelerated Death Benefit Riders Flyer11/11/2025232885Click Here
Advisor Use OnlyLife Product Portfolio04/01/2026388793Click Here
Advisor Use OnlyWaiver of Premium for Unemployment Specimen Rider04/01/2026D185LNA10RClick Here
Advisor Use OnlyAccidental Death Benefit Specimen Rider04/01/20262143L-0989Click Here
Advisor Use OnlyDependent Children’s Specimen Rider04/01/20262069L-0189Click Here
Advisor Use OnlyDisability Waiver of Premium Specimen Rider04/01/20262669L-1203Click Here

Dedicated Team

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Term Life Answers
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