Term Essential
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 (in states where EssentialTerm is not available)
- $250,000 (in states where EssentialTerm is available)
Conversion Option Available
Riders Available: Accidental Death Benefit, Children’s Protection Rider, Living Needs Benefit, Waiver of Premium
Special Features: Non Tobacco rates for Non Cigarette nicotine users
Sales Tools
| Audience | Document | Updated | Link |
|---|---|---|---|
| Advisor Use Only | Forms | 11/20/2025 | Click Here |
| Advisor Use Only | Multi-Carrier Underwriting Guide | 04/23/2026 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Consumer Use | Term Essential Consumer Brochure | 09/30/2025 | 1013163-00010-00 | Click Here |
| Advisor Use Only | Products Portfolio | 08/25/2025 | 1005473-00019-00 | Click Here |
| Advisor Use Only | Product Highlights | 09/30/2025 | 1002421-00007-00 | Click Here |
| Advisor Use Only | Waiver of Premium Rider Highlights | 09/30/2025 | 1012651-00006-00 | Click Here |
| Advisor Use Only | Term Essential Specimen Policy | 09/30/2025 | ICC19 PLTIC-2019 | Click Here |
| Advisor Use Only | State Approvals | 08/25/2025 | NR-23201639 | Click Here |
| Advisor Use Only | Accidental Death Benefit Rider Highlights | 09/30/2025 | 1006622-00005-00 | Click Here |
Dedicated Team
2026 fmiAgent Point Awards
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