This affordable, simple coverage helps protect your family by replacing your lost income in the event of a death. Term life lasts for a specific amount of time and its payments will never increase.
A fixed death benefit that pays your beneficiary if you pass away during the term.
High coverage amounts relative to the price that may replace your lost income.
Premiums will never increase throughout the life of the policy.
Option to convert to a permanent plan
While whole life and term life both have fixed premiums that never increase, whole life provides coverage for the rest of the insured person’s life, whereas term only provides coverage for a fixed period of time. Whole life policies also often include cash value that accumulates over time, while term life does not. However, term life has a substantially lower premium per dollar of coverage and there is typically more coverage available.
Term life and universal life are substantially different products: universal life has a variable premium and death benefit amount, whereas term is fixed. Universal life is a permanent life insurance product, whereas term life only lasts for a certain period of time. In essence, universal life combines protection with investment potential (and some accompanying risk), whereas term life provides simple, reliable protection for the period of time when it is most needed.
Term life insurance is the most affordable life insurance product per dollar of coverage, which is why it’s often a preferred option for people who are just entering their prime earning years to protect against loss of income. In addition to the death benefit amount, factors that may affect the price include your age at the date of issue, gender, term duration, overall health, and tobacco use.
Permanent life insurance to meet long-term needs.
Permanent and flexible life insurance that can last up to your lifetime.
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Product base plans, provisions, features and riders may not be available in all states and may vary by state.
* As long as the required premuims are paid.
Accidental Death (DTC)
Policy Form E42AD-20348 or state equivalent. In NC, E42AD-20390; in NM, E42AD-20469; in NY, E45AD-20387; in OK, E42AD-20393; in PA, E42AD-20472; in TX, E42AD-20421; in WA, E42AD-20444; in VA, Policy Form E42AD-20415, Application MA5918-44.
Master Policy Form M40AD-20438, Certificate Form C42AD-20489 (or state equivalent).
Children's Whole Life
Policy Form ICC17L154P or state equivalent. In FL, D653LFL17P.
Guaranteed ADvantage
Policy Form 50AD-23949 or state equivalent. In FL, 50AD-23954; In ID, 50AD-23991; In NC, 50AD-23955; In NY, 50AD-23980; In OK, 50AD-23972; In OR, 50AD-23987; In PA, 50AD-23965; In TX, 50AD-23952; In WA, 50AD-23979.
Guaranteed Whole Life (DTC)
Policy form ICC18L198P or state equivalent. In FL, D787LFL19P. In NY, 1002Y-0119.
Motor Vehicle Accidental Death Rider Form C783LNA09R (C787LFL09R in FL, C791LLA09R in LA, C794LNC09R in NC, C799LOK09R in OK, C800LOR09R in OR, C818LPA09R in PA, C801LTX09R in TX) or state equivalent.
Income Advantage℠
GPT Sex Distinct: Policy Forms ICC15L123P or state equivalent. In FL, D501LFL14P.
GPT Unisex: Policy Forms ICC15L124P or state equivalent. In FL, D502LFL14P.
Indexed Universal Life Express℠
Sex Distinct: Policy Forms ICC19L190P or state equivalent. In FL, D776LFL19P.
Unisex: Policy Form ICC19L191P or state equivalent. In FL, D777LFL19P.
Life Protection Advantage℠
Sex Distinct: Policy Forms ICC17L152P or state equivalent. In FL, D622LFL17P.
Unisex: Policy Forms ICC17L153P or state equivalent. In FL, D623LFL17P.
Living Promise Whole Life Insurance
Level Benefit Policy Form: ICC12L080P or state equivalent. In FL, D354LFL12P.
Graded Benefit Policy: ICC12L081P or state equivalent. In FL, D355LFL12P.
Term Life Answers
Term Life Answers 10, 15, 20 – ICC16L145P or state equivalent. In FL, D601LFL16P.
Term Life Answers 30 – ICC16L144P or state equivalent. In FL, D600LFL16P.
Term Life Express 10, 15, 20, 30
Full Guarantee
10-year level term: ICC13L116P or state equivalent. In FL, D470LFL13P.
15-year level term: ICC13L116P or state equivalent. In FL, D470LFL13P.
20-year level term: ICC13L116P or state equivalent. In FL, D470LFL13P.
20-year level term with return of premium: ICC13L117P or state equivalent. In FL, D472LFL13P.
30-year level term: ICC13L116P or state equivalent. In FL, D470LFL13P.
30-year level term with return of premium: ICC13L117P or state equivalent. In FL, D472LFL13P.
This is a solicitation of insurance. A licensed agent/producer may contact you.
Coverage may not be available in all states and may vary by state.
All guarantees subject to the financial strength and claims-paying ability of the issuing company. Each company is responsible for its own financial and contractual obligations.
This life insurance does not specifically cover funeral goods or services, and may not cover the entire cost of your funeral. Your beneficiary may use the proceeds for any purpose, unless otherwise directed.
Life Insurance and annuities are underwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175. United of Omaha is licensed nationwide except in New York and does not solicit business in New York. In New York, Companion Life Insurance Company, Melville, NY 11747 underwrites life insurance and annuities.
Policy Exclusions/Limitations: The death benefit will not be paid if the insured’s death results from suicide, while sane or insane(not applicable in MN), within two years from the date of issue(one year in ND and MN). Instead, we will pay the sum of the premiums paid since issue, less any loan and loan interest due and any withdrawals. Exclusions and limitations may vary by state.
Life insurance and annuity products are not a deposit, not FDIC insured, not insured by any Federal government agency, not guaranteed by the bank, not a condition of any banking activity, may lose value and the bank may not condition an extension of credit on either: 1) The consumer's purchase of an insurance product or annuity from the bank or any of its affiliates; or 2) The consumer's agreement not to obtain, or a prohibition on the consumer from obtaining, an insurance product or annuity from an unaffiliated entity.
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