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All term ain't the same Term now vs Custom Does it Benefit Me? A Child by Any other Name That's Standard?
100
What is return of premium?
policy that is “outlived” and kept the entire term, premiums are paid back
100
What is term now?
Series offers insurance through a stre
amlined underwriting process
that typically does not
require bodily fluid testing
100
What is Waiver of Premium?
This benefit allows owners not to pay their
insurance premium after the Primary Insured has become totally disabled for a period of at least 6
months. At an additional cost
100
What is the child premium per unit.
$6.50
100
What is the increasing benefit rider?
a rider that increases at the rate of 10% of initial
coverage per year for 10 years.
200
What is increasing term life insurance?
value of the policy increases
200
What is custom advantage?
Series may offer insurance at a lower cost but has
more underwriting requirements,
200
What is Spouse Waiver of Premium
This benefit allows owners not to pay their
insurance premium after the Spouse Insured has become permanently or totally disabled for a
period of at least 6 month
200
What is the definition of covered children for a child rider.
any
child or legally adopted child of the
Insured; any child for whom the Insured has been gran
ted legal guardianship; any grandchild or stepchild
of the Insured living with and dependent upon the Insured for support
200
What is the Terminal Illness benefit
This Benefit
becomes available when a primary insured or
insured spouse is diagnosed by a physician as having
a terminal illness and a life expectancy of six
months or less
300
What is annual renewable term?
premiums increase every year because the policy increases every year.
300
What is term now?
Series is designed for clients purchasi
ng lower face amounts and want the convenience of
Rapid Issue.
300
What is Increasing Benefit Rider
These riders provide an
automatic 10% increase in the face amount
coverage issued for 10 years
300
What is maximum coverage for a child rider
$25,000
300
What is Military Underwriting
applications on active duty military personnel stationed in the United States only
400
What is decreasing term?
mostly used in the form of “mortgage insurance”
400
What is custom advantage?
Series offers Preferred Plus
and Preferred coverage at $150,000 and above
400
What is The Terminal Illness Benefit
This Benefit
becomes available when a primary insured or
insured spouse is diagnosed by a physician as having
a terminal illness and a life expectancy of six
months or less
400
What is the child rider coverage
guarantees insured children the ability
to obtain insurance once they become adults regardless of health
conditions at either the non-tobacco/non-nicotine or
tobacco/nicotine classifications
400
What is the Premium Band
adding up the face amounts of all coverages of both the Primary Insured and Spouse Insured
500
What is level term life insurance
premium stays level for the “term” (length) of the policy
500
What is custom advantage
Series is designed for client
s purchasing higher face amounts and do not prefer
the convenience of rapid issue
500
What is Freedom Accumulation Benefit
Owners may choose to pay an additional amount towards premiums to invest the difference
500
What is 5 times the face amount
When an insured
child reaches age 25, a conversion can be made to any plan of insurance then offered in an amount up to
500
What is annual renewable term or guaranteed renewable
option after your term is over






As the World Terms

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