Term Life Express

Term Options: 10, 15, 20 and 30 Years

Issue Ages: 

Term 

Guarantee

Age Nearest
10 Year Full   18-75

 15 Year

Full

18-70

 20 Year

Full

18-60

 30 Year

Full

18-50

Minimum Face Amount: $25,000

Non-Med up to $300,000

Conversion Option Available

Riders included in the policy: Accelerated Death Benefit Rider, Common Carrier Death Benefit Provision, Residential Damage Waiver of Premium Rider, Waiver of Premium for Unemployment Provision
Riders Available: Accidental Death Benefit Rider, Dependent Children’s Rider, Disability Income Rider, Disability Waiver of Premium Rider

Special Features: 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 OnlyForms06/09/2026Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide06/10/2026Click Here
Advisor Use OnlySimplified Issue Microsite09/11/2025Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseConsumer Product Highlights Flyer04/01/2026285243Click Here
Consumer UseConsumer Brochure04/01/2026283976Click Here
Consumer UseGrandparents Consumer Brochure04/01/2026213129Click Here
Advisor Use OnlyTerm Conversion Guidelines04/01/2026463965Click Here
Advisor Use OnlyeApp Pre-Approval Advisor FAQs09/11/2025628379Click Here
Advisor Use OnlyMutual Perks Advisor Flyer11/11/2025461403Click Here
Advisor Use OnlyIUL Express vs. Term Life Express Advisor Flyer04/01/2026458489Click Here
Advisor Use OnlyAdvisor Guide04/01/2026283980Click Here
Advisor Use OnlyLiving Benefit Riders Guide04/01/2026616534Click Here
Advisor Use OnlyLife Product Portfolio04/01/2026388793Click Here
Advisor Use OnlyState Rider Approvals Grid04/01/2026161971Click Here
Advisor Use OnlyResidential Damage Specimen Rider04/01/2026A735LNA06RClick Here
Advisor Use OnlyAccelerated Death Benefit for Terminal Illness Specimen Rider04/01/2026ICC16L141RClick Here
Advisor Use OnlyPrescription Drug Exclusions09/11/2025170121Click Here
Advisor Use OnlyExpress Life Products Reference Guide for Simplified Underwriting09/11/202527857Click Here
Advisor Use OnlyAccelerated Death Benefit for Critical Illness Specimen Rider04/01/2026D702LNA18RClick Here
Advisor Use OnlyCommon Carrier Accidental Death Benefit Specimen Rider04/01/20262560L-0602Click Here
Advisor Use OnlyDisability Income Specimen Rider04/01/20262668L-1203Click 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

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