Term Life

Issue Ages: 18 – 85 (age nearest birthday)

Minimum Face Amount: $100,000

Premium Structure:

  • 10-G – Premiums are guaranteed and level for 10 years
  • 15-G – Premiums are guaranteed and level for 15 years
  • 20-G – Premiums are guaranteed and level for 20 years
  • 30-G – Premiums are guaranteed and level for 30 years
  • Annual Renewable Term (ART) – Premiums increase annually based on age

Riders:

  • Accelerated Benefits Riders – Terminal, Chronic, Critical Illness, Critical Injury.
  • Children’s Term Rider
  • Waiver of Premium Rider

Sales Tools

AudienceDocumentUpdatedLink
Consumer UseFinancial Calculators11/12/2025Click Here
Advisor Use OnlyForms11/20/2025Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide04/23/2026Click Here
Advisor Use OnlyRapid Response Center Link08/20/2025Click Here
Advisor Use OnlyTerm to Perm eKit Microsite Link11/12/2025Click Here
Advisor Use OnlyLife Puzzle eKit Microsite Link11/12/2025Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseConsumer Guide08/20/2025103889Click Here
Consumer UseBusiness Highlights Consumer Flyer08/20/202568825Click Here
Consumer Use“Life Insurance with Living Benefits” Consumer Flyer11/12/2025102990Click Here
Consumer Use“Benefits of Life Insurance” Consumer Brochure11/12/202564435Click Here
Consumer Use“Living Benefits There’s More to Life” Consumer Brochure11/12/2025103433Click Here
Consumer UseRetirement Income Gap Analysis Consumer Worksheet11/12/2025106303Click Here
Consumer UseWhat Type of Life Insurance Policy is Best? Consumer Brochure11/12/202563499Click Here
Advisor Use OnlyAdvisor Guide08/20/2025103886Click Here
Advisor Use OnlyTerm Conversion Q&A Flyer08/20/2025103622Click Here
Advisor Use OnlySpecimen Policy08/20/20258119Click Here
Advisor Use OnlyStreamlined Underwriting Green/Yellow/Red Light Advisor Flyer11/12/2025103341Click Here
Advisor Use OnlyUninsurable or Problematic Risks11/12/2025TC120418Click Here
Advisor Use OnlyForeign National Guidelines11/12/202569798Click Here
Advisor Use OnlyLife Product Guide Quick Reference Chart11/12/202563236Click Here
Advisor Use OnlyEZ Underwriting Program Advisor Guide11/12/2025103173Click Here
Advisor Use OnlyAccelerated Benefit Riders Product Guide11/12/202568928Click Here
Advisor Use OnlyUnderwriting Professional Athletes Advisor Flyer11/12/2025104776Click Here

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