Locked-In Rate

This term life insurance is ideal for many families because it gives you a sizable amount of protection at a very affordable price. And most importantly to anyone who is concerned about keeping costs under control and within the monthly budget, your premium is LOCKED IN for a full 10 years or 20 years.*

So that gives you peace of mind 2 ways: You know your family has a solid, reliable “safety net” of protection AND you know exactly how much your insurance premium will be.

Coverage is available to men and women ages 18-60. Not available in all states.

Your rate is locked for 10 or 20 full years with no rate increase allowed for any reason

The premium you pay is locked in for 10 or 20 years and it cannot be raised during that time, regardless of any change in your health, occupation, cost of living or any other reason.

Your coverage starts right away

Some other plans only cover accidental death or limit the benefit amount they pay to your beneficiary during the first two years of coverage. Some plans have “decreasing” benefits. With the Family ProtectorSM Plan, your full coverage amount is in effect from the start – and the amount of coverage you select never decreases over the life of your coverage.

The death benefit won’t be paid if you die because of suicide while sane or insane within 2 years (1 in Colorado, Missouri and North Dakota) (does not apply in Kentucky) of the Effective Date. Instead, we will refund all premiums plus interest.

Your benefit amount never decreases

This is “level” term life insurance which means the benefit amount you select ($25,000, $50,000, $75,000 or $100,000*) stays fixed for the life of the coverage - it does NOT decrease. That gives you the peace of mind that comes with knowing your family will be protected for the full amount for as long as you keep your coverage, to age 95.

No Medical Exam Needed

Unlike some policies, no medical exam is required for this coverage, even for the $100,000 plan. An underwriter will contact you by telephone to discuss your Enrollment Form/Application. Your answers to the questions on the form and answers to questions you'll answer over the phone will help us determine your eligibility. As part of our underwriting process, we may also obtain information from a consumer reporting agency. Click Here to review Notice to Applicant.

* $75,000 and $100,000 benefits and 20-year rate lock available to ages 18-50