OPTerm
Term Options: 10, 15, 20, 25, 30, 35 & 40 Years
Issue Ages: (Age Nearest Birthday)
- 10 Year: 20-75
- 15 Year: 20-75
- 20 Year: 20-70 (20-65 Tobacco Classes)
- 25 Year: 20-60 (20-55 Tobacco Classes)
- 30 Year: 20-55 (20-50 Tobacco Classes)
- 35 Year: 20-50 (20-45 Tobacco Classes)
- 40 Year: 20-45 (20-40 Tobacco Classes)
Minimum Face Amount: $100,000
Conversion Option Available
Riders Available: Accelerated Death Benefit, Term Riders (10, 15, and 20), Waiver of Premium, Child Term Rider
Sales Tools
| Audience | Document | Updated | Link |
|---|---|---|---|
| Consumer Use | Basics of Life Insurance Consumer Microsite | 09/11/2025 | Click Here |
| Advisor Use Only | Forms | 11/20/2025 | Click Here |
| Advisor Use Only | Multi-Carrier Underwriting Guide | 03/10/2026 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Consumer Use | Financial Strength Consumer Brochure | 09/11/2025 | CN11272023-4 | Click Here |
| Advisor Use Only | What to Expect Advisor Flyer | 09/10/2025 | CN 03142022-3 | Click Here |
| Advisor Use Only | Term-2-Term Exchange Program Advisor Flyer | 09/10/2025 | LAA2216 | Click Here |
| Advisor Use Only | Advisor Guide | 09/11/2025 | CN 08242021-2 | Click Here |
| Advisor Use Only | Digital Application Process Advisor Flyer | 09/11/2025 | CN07122024-3 | Click Here |
| Advisor Use Only | The Long Term Solution Flyer | 09/11/2025 | LAA2301 CN06112024-4 | Click Here |
| Advisor Use Only | Child Rider Specifications | 09/11/2025 | LAA2087 20-168 | Click Here |
| Advisor Use Only | “How Much Life Insurance Do I Need?” Consumer Worksheet | 09/11/2025 | LAA2234 | Click Here |
| Advisor Use Only | Term Rider Product Specifications | 09/11/2025 | LAA1902 | Click Here |
Dedicated Team
2026 fmiAgent Point Awards
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