EssentialTerm Value
EssentialTerm Value offers an affordable entry point for clients seeking temporary death benefit protection with the flexibility to convert to a permanent policy later. It is designed for a wide range of clients, including young families, new homeowners, and business owners who need immediate, cost-effective coverage.
Term Options: 10, 15, 20, and 30 Years
Issue Ages: (Age Last Birthday)
- 10 Year: 18-75
- 15 Year: 18-70
- 20 Year: 18-65 (18-60 Tobacco Classes)
- 30 Year: 18-55 (18-45 Tobacco Classes)
Minimum Face Amount: $100,000
Conversion Option Available
Riders Available: Terminal Illness, Waiver of Premium, Accidental Death Benefit, Children’s Protection, Other Good and Services
Sales Tools
| Audience | Document | Updated | Link |
|---|---|---|---|
| Advisor Use Only | Forms | 06/09/2026 | Click Here |
| Advisor Use Only | Multi-Carrier Underwriting Guide | 10/08/2026 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Consumer Use | Consumer Brochure | 07/15/2026 | 1079274-00002-00 | Click Here |
| Advisor Use Only | Children’s Protection Rider Highlights | 07/15/2026 | 1012509-00006-00 | Click Here |
| Advisor Use Only | Life Case Tracker Advisor Flyer | 07/15/2026 | NR-24212190 | Click Here |
| Advisor Use Only | EssentialTerm Suite Product Highlights | 07/15/2026 | 1080014-00003-00 | Click Here |
| Advisor Use Only | EssentialTerm Suite Comparison Advisor Flyer | 07/15/2026 | 1080013-00002-00 | Click Here |
| Advisor Use Only | Waiver of Premium Rider Highlights | 07/15/2026 | 1012651-00006-00 | Click Here |
| Advisor Use Only | State Approvals | 06/22/2026 | NR-23201639 | Click Here |
| Advisor Use Only | Accidental Death Benefit Rider Highlights | 07/15/2026 | 1006622-00005-00 | Click Here |
| Advisor Use Only | Life Insurance Needs in the Women’s Market Flyer | 06/22/2026 | 1050258-00003-00 | Click Here |
Dedicated Team
2026 fmiAgent Point Awards
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