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 Calculators09/02/2026Click Here
Advisor Use OnlyForms06/09/2026Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide10/08/2026Click Here
Advisor Use OnlyRapid Response Center Link06/09/2026Click Here
Advisor Use OnlyTerm to Perm eKit Microsite Link09/02/2026Click Here
Advisor Use OnlyLife Puzzle eKit Microsite Link09/02/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseConsumer Guide06/09/2026103889Click Here
Consumer UseBusiness Highlights Consumer Flyer06/09/202668825Click Here
Consumer Use“Life Insurance with Living Benefits” Consumer Flyer09/01/2026102990Click Here
Consumer Use“Benefits of Life Insurance” Consumer Brochure09/01/202664435Click Here
Consumer Use“Living Benefits There’s More to Life” Consumer Brochure09/01/2026103433Click Here
Consumer UseRetirement Income Gap Analysis Consumer Worksheet09/01/2026106303Click Here
Consumer UseWhat Type of Life Insurance Policy is Best? Consumer Brochure09/02/202663499Click Here
Advisor Use OnlyAdvisor Guide06/09/2026103886Click Here
Advisor Use OnlySpecimen Policy06/09/20268119Click Here
Advisor Use OnlyStreamlined Underwriting Green/Yellow/Red Light Advisor Flyer09/02/2026103341Click Here
Advisor Use OnlyUninsurable or Problematic Risks09/02/2026TC120418Click Here
Advisor Use OnlyForeign National Guidelines09/02/202669798Click Here
Advisor Use OnlyLife Product Guide Quick Reference Chart09/02/202663236Click Here
Advisor Use OnlyEZ Underwriting Program Advisor Guide09/02/2026103173Click Here
Advisor Use OnlyAccelerated Benefit Riders Product Guide09/02/202668928Click Here
Advisor Use OnlyUnderwriting Professional Athletes Advisor Flyer09/02/2026104776Click Here

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