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Term Life

Assurity Term Life Insurance provides your clients with fast, affordable level term life insurance coverage with living benefits. You can customize coverage with in-demand options like the Endowment Benefit Rider (Return of Premium).

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Product Highlights

Term Periods: 10, 15, 20 or 30 years

Issue Ages: 18-75, depending on selected term period

Guaranteed Renewable

Issue Amounts: $25,000 – $10 million; Accelerated underwriting up to $1 million (ages 18-50); Up to $500,000 (ages 51-65)

Convertibility: Convertible to permanent coverage*

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Target Markets

  • Young Families
  • Established Families
  • Millennials
  • Business Owners
  • People with a Mortgage

Underwriting made easy

With Accelerated Underwriting, all applicants are considered for approval at the time of application without further underwriting; not all will qualify. For those who don’t receive instant approval, Accelerated Underwriting seamlessly transitions their applications into a more traditional underwriting process for the same product with the same available premium classes.

Underwriting Classes

  • Non-Tobacco – Preferred Plus, Preferred, Standard
  • Tobacco – Preferred, Standard

Accelerated underwriting and instant decision available for those that qualify

Common factors that require additional underwriting

  • History of bankruptcy
  • Prior felony conviction
  • High-risk hobbies or activities

*Conversion period begins on the issue date and ends on the earlier of: one year prior to the end of the level term period for 10-year plan; or, two years prior to the end of the level term period on 15-, 20-, or 30-year plans or, policy anniversary on which the insured attains age 65