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

AudienceDocumentUpdatedLink
Consumer UseAbout our Company Consumer Brochure11/20/2025Click Here
Advisor Use OnlyForms11/20/2025Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide04/23/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseSmart Sense Life Insurance for Diabetics Consumer Brochure11/20/2025200-830Click Here
Consumer UseCoverage for Diabetics Consumer Flyer11/20/2025200-706Click Here
Consumer Use“Promises for Life” Consumer Brochure11/20/2025200-838Click Here
Consumer UseConsumer Brochure11/20/2025200-646Click Here
Consumer UseNon-Med Term Consumer Flyer11/20/2025200-702Click Here
Consumer UseReturn of Premium Simplified Term Life Consumer Flyer11/20/2025200-707Click Here
Consumer UseChild Rider Consumer Brochure11/20/2025200-361Click Here
Consumer UseChild Rider Consumer Flyer11/20/2025200-393Click Here
Consumer UseNeeds Analysis Brochure11/20/2025200-776Click Here
Advisor Use OnlyAdvisor Guide11/20/2025200-645Click Here
Advisor Use OnlyChild Rider Advisor Guide11/20/2025200-362Click Here

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