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Term Life Insurance

Provides affordable protection for temporary needs

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	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	18-75 = 10/10 18-70 = 15/15 18-60 = 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 51-60) $25,000 - $150,000 (Ages 61-75)
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 (.265) Semiannual (.52) Monthly BSP (.086)	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
Conversion Period (for policies issued April 1, 2020 or later)	Term Life 10 • For issue ages 18-72: The earlier of 10 years or age 75 • For issue ages 73+: During the first 2 policy years only Term Life 15 The earlier of 15 years or age 75 Term Life 20 The earlier of 20 years or age 75 Term Life 30 During the first 20 policy years only	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

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