Term Life Insurance (Common - Inside and Outside Login)

Actions
Loading...

State Selected (Common - Inside and Outside Login)

Actions
Loading...

Viewing content for

State Selection (Common - Inside and Outside Login)

Actions
Loading...

Select Your State:

We want to make sure you get the appropriate information on products approved for sale in your state.

Product Unavailable (Common - Inside and Outside Login)

Actions
Loading...

Sorry, this product is not available in your state.

Web Content Viewer (JSR 286)

Actions
Loading...
Warning

Warning

Invalid configuration found. Please contact your administrator.

 

Product Details - Term Life Insurance (Broker - Inside and Outside Login)

Actions
Loading...
 

Term Life Answers®
10, 15, 20, 30

Term Life Express®
10, 15, 20, 30

 

Term Life Answers (TLA) requires the application for full medical underwriting. TLA is a leader in the term life marketplace with competitive Preferred Plus, Preferred Nontobacco and Standard Nontobacco rates.

Our Term Life Express (TLE) products are issued on a simplified underwriting basis, which means your clients can get their policies faster and you can get paid faster. TLE is designed to help cover mortgage loans and other life insurance needs.

Issue Ages

(Age Last Birthday)

Term Life 10

Nontobacco: 18-80
Tobacco: 18-75

Term Life 15

Nontobacco: 18-74
Tobacco: 18-70

Term Life 20

Nontobacco: 18-68
Tobacco: 18-65

Term Life 30

Nontobacco: 18-55
Tobacco: 18-50

Non-ROP

18-65 = 10/10 - 15/15
18-60 = 20/20
18-50 = 30/30

ROP

18-65 = N/A
18-50 = 20/20
18-50 = 30/30

Maximum issue ages may vary by state and tobacco usage.

Face Amounts
  • $100,000 - $249,999
  • $250,000 - $499,999
  • $500,000 - $999,999
  • $1,000,000 and above
  • $25,000 - $300,000 (Ages 18-50)
  • $25,000 - $250,000 (Ages 51-65)
Underwriting Classes
  • Preferred Plus NT
  • Standard Plus NT
  • Substandard NT
  • Preferred NT
  • Standard NT
  • Substandard T
  • Preferred T
  • Standard T
  • Standard NT
  • Standard T
Table Rates / Table Rate-Up Percentage

Tables 1 (A) to 16 (P)

N/A

Premium Modes

(Modal Factors)

  • Annual (1.00)
  • Quarterly (.275)
  • Semiannual (.52)
  • Monthly BSP (.0875)
  • Annual (1.00)
  • Quarterly (.275)
  • Semiannual (.52)
  • Monthly BSP (.089)
Policy Fee

$62.50 per year (Commissionable for face amounts under $250,000)

$60 per year (Commissionable)

Riders

(Some restrictions may apply)

  • Accelerated Death Benefit for Terminal Illness Rider*
  • Accidental Death Benefit Rider
  • Waiver of Premium for Unemployment Rider*
  • Dependent Children's Rider
  • Other Insured Rider
  • Disability Waiver of Premium Rider

*Included in the policy

  • Accelerated Death Benefit Riders*
  • Residential Damage Waiver of Premium Rider*
  • Waiver of Premium for Unemployment Provision*
  • Common Carrier Death Benefit Provision*
  • Accidental Death Benefit Rider
  • Dependent Children's Rider
  • Disability Income Rider**
  • Disability Waiver of Premium Rider

*Included in the policy, may vary by state and product
**Not available on ROP products

Conversions

Term Life 10

Before age 75, or during first 2 years after policy issue, whichever is later

Term Life 15, 20

Before age 75

Term Life 30

Only during the first 20 years

Convertible after policy year two through the lessor of: (a) the end of the level term period or (b) the policy anniversary following the insured’s 70th birthday.

Cannot be converted to a fully underwritten product.

Renewal of Premiums

Term Life 10

The policy automatically renews annually in year 11 and thereafter to age 95, without evidence of insurability

Term Life 15

The policy automatically renews annually in policy year 16 and thereafter to age 95, without evidence of insurability

Term Life 20

The policy automatically renews annually in policy year 21 and thereafter to age 95, without evidence of insurability

Term Life 30

The policy automatically renews annually in policy year 31 and thereafter to age 95, without evidence of insurability

Policies may be renewed annually to age 100, without evidence of insurability

Web Content Viewer (JSR 286)

Actions
Loading...
Warning

Warning

Invalid configuration found. Please contact your administrator.

 

Product Portfolio - Life (Broker - Inside and Outside Login)

Actions
Loading...

Web Content Viewer (JSR 286)

Actions
Loading...
Warning

Warning

Invalid configuration found. Please contact your administrator.

 

Log in for More (Outside Login)

Actions
Loading...
Login
Login for More

There's More

Log in to Sales Professional Access to unlock even more detailed information and specialized tools plus your personalized reports.

Not Registered? All you need is your production number and you're ready. Sign up

Contact Support (Common w/ AMBA - Inside and Outside Login)

Actions
Loading...
Have a sales or marketing question, need technical assistance, or have an idea you want to share? Contact Support

Shared State Special JS (Common - Inside and Outside Login)

Actions
Loading...