Secure Solutions® Level Term Life

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Product Features

  • Term to attained age 100
  • Initial level premium periods of 10, 15, 20, or 30 years
  • ART-type attained age premiums after the initial level premium period
  • All death benefits and premiums fully guaranteed to age 100
  • Preferred non-tobacco, preferred tobacco, and preferred plus risk classes available
  • Conversion privilege to end of initial level premium period or until attained age 70, whichever occurs first—but convertible, in any event, during first five policy years

Additional Product Specs

Issue Ages (age last birthday)

Risk Class10 Years15 Years20 Years30 Years
Preferred Plus Non-Tobacco25 - 7025 - 7025 - 6525 - 55
Preferred Non-Tobacco and Tobacco25 - 7025 - 7025 - 6525 - 55
25 - 50 (for male tobacco)
Standard Non-Tobacco and Tobacco18 - 7518 - 7018 - 6518 - 55
18 - 50 (for male tobacco)

Minimum Face Amount

  • Preferred Plus Non-Tobacco: $100,000
  • Preferred Non-Tobacco and Tobacco: $100,000
  • Standard Non-Tobacco and Tobacco: $50,000; Ages 55+ only: $25,000 for 10-, 15- and 20-year only.

Premium Rate Bands
$50,000, $100,000, $250,000, $500,000 and $1,000,000 face amount.
Note: Maximum premium class for 10-year period is $250,000 - $499,999.

Premium Modes Available
Annual, semi-annual, quarterly, and monthly bank draft (EFT)

Annual Policy Fee
No annual policy fee. Entire premium is commissionable.

Underwriting Guidelines
See Form 3325 for details.

Benefits and Riders Available*

  • Disability Waiver of Premium Benefit
  • Non-Occupational Disability Income Rider
  • Accidental Death Benefit
  • Children’s Insurance Benefit Rider
  • Accelerated Death Benefit Rider available at no cost

* Riders may not be available in all states. Rider details are available in the Agent Guide, Form 8294.

Sample Premium Rates

Sample Rates for 30-Year Level Term
Non-Tobacco, Preferred Plus Underwriting Class

Face AmountAge 25Age 35Age 45Age 55
 MaleFemaleMaleFemaleMaleFemaleMaleFemale
$100,000$14.0012.2516.6314.4430.1924.5088.3861.25
$250,000$22.7518.3830.6325.3863.5851.63219.63131.25
$500,000$39.3832.3854.2543.75124.2598.88393.75236.25

Sample Rates for 20-Year Level Term
Non-Tobacco, Preferred Plus Underwriting Class

Face AmountAge 25Age 35Age 45Age 55
 MaleFemaleMaleFemaleMaleFemaleMaleFemale
$100,000$12.3411.2013.4812.2521.4418.9044.4533.69
$250,000$16.1914.4421.8818.3843.3138.50102.8176.13
$500,000$25.3820.5636.7529.3177.8865.63192.50139.56

Sample Premium Rates for Standard Class
$50,000 Face Amount, Non-Tobacco

InitialAge 25Age 35Age 45Age 55
 MaleFemaleMaleFemaleMaleFemaleMaleFemale
30-Year Term$12.2510.9417.5014.4430.6325.8163.0048.13
20-Year Term$10.769.8012.2511.0319.6917.0643.0531.50

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