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Life Insurance
Life Insurance Matters - At Every Stage of Life
Life insurance isn't just for one age group. It's for everyone who has someone they care about. Whether you're in your 20s building your future, in your 40s raising a family, or in your 60s planning your legacy, life insurance provides the security and peace of mind that your loved ones will be protected, no matter what life brings.
Always Remember: Your Life Insurance Coverage may not be enough but will never be too much!
Which Stage are you in your Life?
- In your younger years, it’s a smart way to lock in low premiums and prepare for the unexpected.
- As your responsibilities grow, it helps ensure your family can cover everyday expenses, debts, and even college tuition if something happens to you.
- Later in life, it can cover final expenses, help with estate planning, or leave behind a financial gift.
It’s not about how old you are. It’s about being prepared, responsible, and thoughtful about the people who depend on you.
Power term
Power Term is built for convenience and with industry-leading technologies that are designed to permit an underwriting decision within minutes of submission of an electronic life application. Power Term creates the best client experience at more competitive rates. * Not available in New York.
Precision Term
PrecisionTerm is built for competition and is designed for clients purchasing higher face amounts and who are willing to complete a paramedical exam if necessary. Our new approach to underwriting and our precision pricing methodology provides clients with our most competitive prices. * Not available in New York.
Custom Exchange
What is the “End Of Term” Program?
Life Insurance Company products are designed to protect you for specific time periods such as 10, 15, 20, 25, 30, and 35 years. At the end of each period or “duration”, coverage typically continues or “renews” at the insured’s current or “attained” age. As a result, the client’s premiums increase because premiums are now charged based on the insured’s attained age. This policy event is referred to as reaching the End of Term.
In order to better support you during this process, we generate an EOT Option Package that will provide you the information for your approaching an End of Term decision.
Riders
A rider is optional coverage attached to a base insurance policy, offering extra coverage or different types of plans. Riders can be added at policy issuance or later. Common riders include the Disability Waiver of Premium, Terminal Illness Benefit, and Increasing Benefit Rider.
The Child Rider provides coverage for all dependent children of the primary insured and spouse, covering ages 15 days to 25 years. It guarantees children the option to obtain insurance as adults, regardless of health, at non-tobacco or tobacco rates. At age 25, the rider can be converted to any available insurance plan.
