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Top Rated Term Life Insurance Companies

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American General
First Colony
Lincoln Benefit
Lincoln National
North American
RBC - Liberty Life
Security Mutual
Union Central
U.S. Financial
West Coast
William Penn
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Term Life Insurance by Top Rated Companies
More term companies equals the best opportunity to obtain the lowest term quote!

Term Life Insurance Quotes Term Life Insurance No Exam Final Expense Life Insurance Quotes

Offering the Largest Selection of Top-Rated Companies Instantly!  Why is this important?
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 For the serious shopper who would like a seasoned professional to assist them-
"how term life insurance works", "return of premium term life insurance",
"no exam term life insurance" and "what is term life insurance" will be explained on this page.

 Genworth Financial  
 Return Of Premium

Term Life America Insurance
is proud to offer Genworth Financial. Solid resources backed by a combination of innovative products and service beyond expectations.

For Policy Owner Service  1-888-436-9678

For New Business Quotes  1-888-587-8511

Genworth Financial products, available in all states except New York with variation available in Maryland.

Introducing VantagePointSM
Term Life Insurance With Return of Premium

Effective October 25, 2005, Genworth Financials' industry-leading term life insurance portfolio shines with a new light with term life insurance coverage that builds cash values and returns all available premium at the end of the initially selected 15-, 20- or 30-year guaranteed level premium period.

Genworth Financial return of premium term life insurance pdf overview

Genworth Financial return of premium term life insurance offers competitive premiums
plus cash value build-up.

VantagePointSM term life insurance provides features not seen in other return of premium products:

What Others Don't Have:

  • Policy Loans - Policy begins accumulating cash surrender values after the fourth year which are then available for policy loans (including automatic premium loans).
  • Enhanced Cash Value Rider - The Enhanced Cash Value Rider offers accelerated cash surrender value accumulation for a slightly higher premium than the Cash Value Rider.
  • Return of Premium - Tax-free return of premium includes table ratings (flat extras excluded).

And There Is More

SM TERM LIFE INSURANCE with Return of Premium and Disability Income Riders

VantagePoint is term life insurance for 15, 20 or 30 years. After that time, policies have indeterminate premiums with annual increases through age 94. Benefits stop at the policy anniversary date nearest the insured’s age 95. Applicants must choose a Cash Value Rider or the

Disability Income Rider or both. Waiver of Premium Rider is not available if Disability Income is chosen. Policies with a return of premium feature usually cost more than policies without this feature.

Return of Premium Feature

• Returns all premiums including rider premiums at the end of the 15-, 20-, or 30-year level premium period, if the insured is living.

• Does not return flat extra premiums and any loan balance.

• Enables the policy owner to take policy loans, including, if elected when policy is issued,
automatic premium loans.

• Policy loans accrue interest at 8% each year. If the outstanding policy loan balance becomes larger than the rider cash value, the policy will terminate and a taxable event may occur.

• Enhanced Cash Value Rider provides larger cash values than the Basic Rider for a higher cost.


Premium Bands $100,000 - $249,999, $250,000 - $499,999, $500,000 and above

Premium Payment Frequency (Mode) Premiums may be paid annually, semi-annually, quarterly, or monthly (electronic funds transfer only).

  • 15-, 20- and 30-year guarantee level premium periods.
  • Simplified underwriting application process for younger clients.  No blood required for applicants age 18-40 applying for up to $499,999 coverage and clients age 41-44 applying for up to $249,999 coverage.


get a quote  Genworth Financial Term Products 
get a quote  Genworth Financial Return Of Premium Term Life Insurance

Get term life quotes from TermLifeAmerica.com-
Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life 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 Term quotes for: 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 - NCTerm quotes for: North Dakota - ND,  Ohio - OH Oklahoma - OK Pennsylvania - PA, Rhode Island - RI South Carolina - SC,  South Dakota - SD,  Tennessee - TN Term quotes for: Texas - TX,  Utah - UT Vermont - VT Virginia - VA, and Wisconsin - WI.  

We offer term quotes for 5, 10, 15, 20, 25, and 30 year term periods. Our universal life products can be quoted to cover a term of up to age 120. Not all term product quotes from all term companies quoted are available in all states.

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