Term Life
Simple Term 20
Issue Ages: 20-60 (Age Last Birthday)
Minimum Face Amount: $25,000
Maximum Face Amounts:
- Issue Ages 20-45: $500,000
- Issue Ages 46-55: $225,000
- Issue Ages 56-60: $150,000
Riders Available: Waiver of Premium, Child Rider, Accidental Death Benefit, No-cost Terminal Illness Benefit
Simple Term 30
Issue Ages:
- Non-Tobacco: 20-55
- Tobacco: 20-50 (Age Last Birthday)
Minimum Face Amount: $25,000
Maximum Face Amounts:
- Issue Ages 20-45: $500,000
- Issue Ages 46-55: $225,000
Riders Available: Waiver of Premium, Child Rider, Accidental Death Benefit, No-cost Terminal Illness Benefit
Simple Issue Term 20 ROP Band 1
Issue Ages:
- Non-Tobacco: 25-60 (Age Last Birthday)
- Tobacco: 25-45 (Age Last Birthday)
Minimum Face Amount: $50,000
Maximum Face Amount: $99,999
Riders Available: Child Rider, No-cost Terminal Illness Benefit
Simple Issue Term 20 ROP Band 2
Issue Ages:
- Non-Tobacco: 25-60
- Tobacco: 25-45
Minimum Face Amount: $100,000
Maximum Face Amounts:
- Issue Ages 25-45: $500,000
- Issue Ages 46-55: $225,000
- Issue Ages 56-60: $150,000
Simple Issue Term 20 DLX
Issue Ages: 20-60 (Age Last Birthday)
Minimum Face Amount: $25,000
Maximum Face Amounts: $50,000
Riders Available: Child Rider, Accidental Death Benefit, No-cost Terminal Illness Benefit
Sales Tools
| Audience | Document | Updated | Link |
|---|---|---|---|
| Consumer Use | About our Company Consumer Brochure | 11/20/2025 | Click Here |
| 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 | Smart Sense Life Insurance for Diabetics Consumer Brochure | 11/20/2025 | 200-830 | Click Here |
| Consumer Use | Coverage for Diabetics Consumer Flyer | 11/20/2025 | 200-706 | Click Here |
| Consumer Use | “Promises for Life” Consumer Brochure | 11/20/2025 | 200-838 | Click Here |
| Consumer Use | Consumer Brochure | 11/20/2025 | 200-646 | Click Here |
| Consumer Use | Non-Med Term Consumer Flyer | 11/20/2025 | 200-702 | Click Here |
| Consumer Use | Return of Premium Simplified Term Life Consumer Flyer | 11/20/2025 | 200-707 | Click Here |
| Consumer Use | Child Rider Consumer Brochure | 11/20/2025 | 200-361 | Click Here |
| Consumer Use | Child Rider Consumer Flyer | 11/20/2025 | 200-393 | Click Here |
| Consumer Use | Needs Analysis Brochure | 11/20/2025 | 200-776 | Click Here |
| Advisor Use Only | Advisor Guide | 11/20/2025 | 200-645 | Click Here |
| Advisor Use Only | Child Rider Advisor Guide | 11/20/2025 | 200-362 | Click Here |
Dedicated Team
2026 fmiAgent Point Awards
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