Level Term Life

Expand All

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
  • Death benefits fully guaranteed to age 100
  • Guaranteed, level premiums during the initial period
  • Standard and Special risk classes are available by gender and tobacco use
  • Conversion/Exchange privilege permitted after the first policy year and during the initial level premium period or attained age 70, whichever is earlier
  • Partial Conversion Privilege also applies

Additional Product Specs

Issue Ages (age last birthday)

Minimum

Standard

15

Special

18

Maximum
For either Underwriting Class Standard or Special

10 Year Term

75

15 Year Term

70

20 Year Term

65

30 Year Term

55 (excluding Male Tobacco)

 

50 (Male Tobacco Only)

Minimum Face Amount
  • Minimum face amount is $25,000
  • Maximum face amount is $150,000

The applied-for face amount and eligibility for simplified underwriting through $150,000 could be impacted by existing coverage (standard and substandard), as well as prior declines and disability status. For ages 61-75, face amounts of $75,001-$150,000, the agent must order a paramedical exam and urine specimen.

Premium Rate Bands
$25,000-74,999 and $75,000-$150,000. For insureds ages 15-17 only Standard underwriting class rates are available. .

Premium Methods
Direct Bill: Annual, semi-annual, and quarterly
Bank Draft EFT: Annual, semi-annual and monthly

Annual Policy Fee, Cash Value, Loan Rate
Not applicable

Underwriting Guidelines
See Form 8759 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 8774.

Sample Premium Rates

Standard, Non-Tobacco
Monthly EFT Premium during Initial 10-Year Period

Sample Rates for 10-Year Level Term
$25,000 Face Amount

Issue Age

Male

Female

55

$17.17

$14.33

60

$23.32

$18.22

65

$32.86

$24.22

70

$50.58

$34.91

75

$81.75

$58.93


Sample Rates for 10-Year Level Term
$50,000 Face Amount

Issue Age

Male

Female

25

$15.01

$13.87

30

$15.53

$14.22

40

$18.81

$17.15

45

$21.79

$20.26

50

$26.34

$24.28

 

Issue Age

Male

Female

55

$34.34

$28.66

60

$46.64

$36.44

65

$65.71

$48.43

70

$101.15

$69.83

For More Information