Term Life Express
You've worked hard to establish a comfortable home and lifestyle for your family. So why not protect it? Term Life Express gives you and your family peace of mind in knowing that money will be available to:
- protect your family's lifestyle and help pay off the mortgage if you die, or
- help make mortgage payments if you suffer a disability
Plus, you can get your premium money back at the end of the term period.
Term Life Express is simple to apply for insurance with quick underwriting (as short as three days) so you receive your policy faster. Term Life Express offers:
- Face amounts of $50,000 to $400,000
- A simple underwriting process
Our Term Life Express offers popular features at no additional cost to you:
Cancer/heart attack/stroke provision
This provision pays the beneficiary and additional 10 percent of the death benefit if death is due to cancer, heart attack or stroke. This provision may not be available in all states.
Accelerated death benefit
This rider pays 92 percent of the death benefit in a lump-sum if you provide evidence that your life expectancy is 24 months or less. Once the benefit is paid out, the policy will be terminated. In FL, the life expectancy is 12 months or less and the lump-sum is 94 percent.
Unemployment provision
In the event of unemployment, your monthly base premiums and riders are waived for one six-month period.
Residential damage rider
If your primary residence sustains $25,000 or more of damage, your monthly base premiums and riders are waived for one six-month period.
Common carrier death benefit provision
If you should die in an accident while a passenger on a common carrier (e.g., airplane, train, bus), this provision provides for an additional death benefit equal to 100 percent of the original face amount.
Other riders features are available for purchase so you can customize your policy:
- return of premium
- disability income coverage
- dependent children's coverage
- disability waiver of premium
- accidental death coverage
Contact an agent for a personal consultation at no
cost or obligation.
