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What It Is
Contractual provisions form the policy contract. The content below is general and may differ by company and/or by policy filing.
GENERAL CONTRACTUAL POLICY PROVISIONS owner and beneficiary, assignment, misstatement, suicide, incontestability, payment of proceeds, amount of the death proceeds, and nonparticipating.
PREMIUM POLICY PROVISIONS defines procedures for payments, refund of premium, grace period, reinstatement, and change of premium.
POLICY RENEWAL, CONVERSION, AND EXCHANGE POLICY PROVISIONS policy renewal, conversion, and exchange.
NON-FORFEITURE POLICY PROVISIONS elected by written notice during the Insured's lifetime. Includes: policy surrender, paid-up insurance, extended term insurance, automatic option and basis of values.
POLICY LOANS POLICY PROVISIONS conditions for a cash loan, automatic premium loan option, deferral, interest and replacement.
ENDORSEMENT allow owners to modify standard forms by attaching endorsements preapproved by counsel.
SETTLEMENT PAYMENT OPTIONS POLICY PROVISIONS describe Income, Income With Period Certain, Joint Income, Payments for a Fixed Period, and Proceeds At Interest.
GENERAL CONTRACTUAL POLICY DEFINITIONS defines the terms used in the contractual policy provisions.
We have a highly trained and licensed professional staff. We specialize in all aspects of this discipline. Included are, Term, Universal, and Permanent Policies, as well as Final Expense. We guide our clients on issues involving Personal Family Protection, Estate Planning and Estate Conservation, Business Planning to include, Buy Sell Agreements, Deferred Compensation, and Executive Compensation. We offer spreadsheets for Term Life Insurance Quotes from Top Rated Companies. We help you decide what type of policy is best for your goals and objectives. Companies offer 5, 10, 15, 20, 25 or 30 year policies that can include a return of premium plan options. Some plans offer no exam underwriting for your convenience. We provide consumers with helpful information, find the right life companies, and gives them the opportunity to receive free instant quotes.
The content contained on this insurance website is for informational purposes only. It is intended for consumers who are shopping and wanting to learn more. We do not endorse any particular carriers. We work for you and simply provide factual insurance information. We let you decide if you want to speak with a professional agent to help with your needs. Premium rates displayed on this website are for informational purposes only. Actual rates are based on many factors one of which is the applicants health.
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Lewis Fink is licensed as a term life agent offering term insurance quotes in the following states: Term quotes for: Alabama - AL, Arkansas - AR, California - CA, Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC, Florida - FL, Georgia - GA, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts - MA, Michigan - MI, Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, New Mexico - NM, New Jersey - NJ, New York - NY, North Carolina - NC, North Dakota - ND, Ohio - OH, Oklahoma - OK, Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Texas - TX, Utah - UT, Vermont - VT, Virginia - VA, and Wisconsin - WI.
Not all term product quotes from all term companies quoted are available in all states.