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A Term Life Insurance policy is designed to cover you when you need it most...during your
earning years. You choose the term period that will best protect your family's future...10
years, 20 years or 30 years.
- The rates are guaranteed not to increase during the term period you choose.
- The amount of the death benefit is guaranteed to remain the same during your term period.
- The rates are based on issue age. Secure your lower rate now.
- The death benefit amount is paid tax-tree.
- You may continue this policy on your own at no additional cost if you leave employment.
- You may renew the policy at the end of the term period until the insured reaches age 90.
The premium rate is adjusted on each renewal. You may convert to a whole life insurance
policy before the policy anniversary following age 75.
Benefit Features:
- Affordable premiums
- Easy application
- Minimal health questions*
- No medical tests*
- Employee issue maximums: $150,000
- Spouse issue maximum: $75,000 - Individual Policy or Rider
- Issue Minimum: $25,000
- Interim Coverage**
- Issue Ages:
- 10-Year Term: 18-70
- 20-Year Term: 18-60
- 30-Year Term: 18-50 (in WA and OR: 18-48)
- Accelerated Death Benefit
- Nicotine and Non-Nicotine Rates
Optional Riders Available***:
- Waiver of Premium Rider
- Accidental Death Benefit Rider
- Spouse Term Rider
- Childrens Term Rider
*Issuance of the policy may depend on the answer to these questions.
**You will be covered from the date of your application if you are insurable for the requested coverage under our general practice on the date the policy takes effect. This Interim Coverage will remain in force until the policy has been issued or declined.
***Optional rider availability may vary by state.
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APESB-340
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Last Modified: Monday February 25 2008
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