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Term Life Express

Term Options: 10, 15, 20 and 30 Years

Issue Ages: 

Term 

Guarantee

Age Nearest
10 Year Full   18-75

 15 Year

Full

18-70

 20 Year

Full

18-60

 30 Year

Full

18-50

Minimum Face Amount: $25,000

Non-Med up to $300,000

Conversion Option Available

Riders included in the policy: Accelerated Death Benefit Rider, Common Carrier Death Benefit Provision, Residential Damage Waiver of Premium Rider, Waiver of Premium for Unemployment Provision
Riders Available: Accidental Death Benefit Rider, Dependent Children’s Rider, Disability Income Rider, Disability Waiver of Premium Rider

Special Features: Occasional cigar use (no more than 12 cigars per year) is considered non-nicotine if current nicotine test is negative

News

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Sales Tools

AudienceDocumentUpdatedLink
Producer Use OnlyForms11/27/2024Click Here
Producer Use OnlyMulti-Carrier Underwriting Guide12/18/2024Click Here
Producer Use OnlySimplified Issue Microsite11/25/2024Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Producer Use OnlyTerm Conversion Guidelines11/25/2024463965Click Here
Producer Use OnlyeApp Pre-Approval Producer FAQs11/25/2024628379Click Here
Producer Use OnlyMutual Perks Producer Flyer10/18/2024461403Click Here
Producer Use OnlyIUL Express vs. Term Life Express Producer Flyer10/31/2024458489Click Here
Producer Use OnlyProducer Guide10/31/2024283980Click Here
Producer Use OnlyAccelerated Death Benefit Riders FAQ10/31/2024356136Click Here
Producer Use OnlyLiving Benefit Riders Guide10/31/2024616534Click Here
Producer Use OnlyLife Product Portfolio11/25/2024388793Click Here
Producer Use OnlyState Rider Approvals Grid10/31/2024161971Click Here
Producer Use OnlyAccelerated Death Benefit for Terminal Illness Specimen Rider10/31/2024ICC16L141RClick Here
Producer Use OnlyResidential Damage Specimen Rider10/31/2024A735LNA06RClick Here
Producer Use OnlyPrescription Drug Exclusions11/25/2024170121Click Here
Producer Use OnlyExpress Life Products Reference Guide for Simplified Underwriting11/25/202427857Click Here
Producer Use OnlyAccelerated Death Benefit for Critical Illness Specimen Rider10/31/2024D702LNA18RClick Here
Producer Use OnlyCommon Carrier Accidental Death Benefit Specimen Rider10/31/20242560L-0602Click Here
Producer Use OnlyDisability Income Specimen Rider10/31/20242668L-1203Click Here
Producer Use OnlyWaiver of Premium for Unemployment Specimen Rider11/25/2024D185LNA10RClick Here
Producer Use OnlyAccidental Death Benefit Specimen Rider11/25/20242143L-0989Click Here
Producer Use OnlyDisability Waiver of Premium Specimen Rider11/25/20242669L-1203Click Here
Producer Use OnlyDependent Children’s Specimen Rider11/25/20242069L-0189Click Here
Consumer UseConsumer Product Highlights Flyer10/31/2024285243Click Here
Consumer UseConsumer Brochure10/31/2024283976Click Here
Consumer UseGrandparents Consumer Brochure11/25/2024213129Click Here
Consumer UseNeeds Analysis Worksheet for Life11/25/2024LYC6584Click Here

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