Term Life Answers
Term Options: 10, 15, 20 and 30 Years
Issue Ages: (Age Last Birthday)
- 10 Year: 18-80 (18-75 Tobacco Classes)
- 15 Year: 18-74 (18-70 Tobacco Classes)
- 20 Year: 18-68 (18-65 Tobacco Classes)
- 30 Year: 18-55 (18-50 Tobacco Classes)
Minimum Face Amount: $100,000
Conversion Option Available
Riders Available At No Additional Cost: Accelerated Death Benefit for Terminal Illness Rider, Waiver of Premium for Unemployment Rider
Riders Available: Accidental Death Benefit Rider, Dependent Children’s Rider, Disability Waiver of Premium Rider, Other Insured Rider
Special Features:
- Fit Underwriting Program
- Occasional cigar use (no more than 12 cigars per year) is considered non-nicotine if current nicotine test is negative
Sales Tools
| Audience | Document | Updated | Link |
|---|---|---|---|
| Producer Use Only | Forms | 11/27/2024 | Click Here |
| Producer Use Only | Multi-Carrier Underwriting Guide | 12/18/2024 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Producer Use Only | Mutual Perks Producer Flyer | 10/18/2024 | 461403 | Click Here |
| Producer Use Only | Producer Guide | 11/25/2024 | 327910 | Click Here |
| Producer Use Only | Accelerated Death Benefit Riders Flyer | 11/25/2024 | 232885 | Click Here |
| Producer Use Only | Life Product Portfolio | 11/25/2024 | 388793 | Click Here |
| Producer Use Only | Waiver of Premium for Unemployment Specimen Rider | 11/25/2024 | D185LNA10R | Click Here |
| Producer Use Only | Accidental Death Benefit Specimen Rider | 11/25/2024 | 2143L-0989 | Click Here |
| Producer Use Only | Disability Waiver of Premium Specimen Rider | 11/25/2024 | 2669L-1203 | Click Here |
| Producer Use Only | Dependent Children’s Specimen Rider | 11/25/2024 | 2069L-0189 | Click Here |
| Consumer Use | Consumer Flyer | 11/25/2024 | 624009 | Click Here |
| Consumer Use | Consumer Brochure | 11/25/2024 | 210599 | Click Here |
| Consumer Use | Grandparents Consumer Brochure | 11/25/2024 | 213129 | Click Here |
| Consumer Use | Needs Analysis Worksheet for Life | 11/25/2024 | LYC6584 | Click Here |
Dedicated Team
2024 fmiAgent Point Awards
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