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American General
Banner
First Colony
Genworth
ING
Jefferson-Pilot
Lincoln Benefit
Lincoln National
North American
Protective
RBC - Liberty Life
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Security Mutual
Transamerica
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West Coast
William Penn
 
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Term Life Insurance by Top Rated Companies
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TermSmart Term Life Insurance Product Review
 

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


ING ReliaStar Life - TermSmart Product Features

State Approvals ING ReliaStar Life TermSmart Product Features Are Available in all states except: NY
Offerings Term For 10 Years:
Premiums are guaranteed to remain level for 10 years and increase annually thereafter.

Term For 15 Years :
Premiums are guaranteed to remain level for 15 years and increase annually thereafter.

Term For 20 Years :
Premiums are guaranteed to remain level for 20 years and increase annually thereafter.

Term For 30 Years :
Premiums are guaranteed to remain level for 30 years and increase annually thereafter.

Options For Conversion TermSmart plans are convertible, without evidence of insurability, to selected permanent plans issued at that time by the Company as follows:

Term For 10 Years:
During the first 10 policy years not to exceed age 75

Term For 15 Years :
During the first 15 years not to exceed age 75

Term For 20 Years :
During the first 20 years not to exceed age 75

Term For 30 Years :
Conversion to selected fixed or variable universal life policies issued by ING life insurance company without evidence of insurability

Available Issue Ages Age Nearest Birthday

Term For 10 Years : 18-75
Term For 15 Years : 18-70
Term For 20 Years : 18-65
Term For 30 Years : 18-50 (45 for Smokers)

In Washington
Term For 10 Years : 18-70
Term For 15 Years : 18-65
Term For 20 Years : 18-60 18-60 18-60

Face Amountsts
Min/Max
Band 1 – $100,000 – 199,999
Band 2 – $200,000 – 999,999
Band 3 – $1,000,000+
Premium Modal Factors Semi-annual = .52
Quarterly = .265
Monthly = .0875
Policy Fee $60: $100,000-$199,999
$50: $200,000+
Special Features Accidental Death Benefit issue ages 18-60, provides coverage up to face amount, to a maximum of $300,000, expires on policy anniversary nearest to insured's 60th birthday

Waiver of Premium available, issue ages 18-55, automatically expires on the policy anniversary nearest to the insured's 60th birthday

Children's Term Insurance available ages 15 days-18 years for child and 18-60 for insured parent, at $6.00 per each $1,000 unit of coverage (minimum $2,000 = 2 units, maximum $10,000 = 10 units)

Living Benefit Rider automatically included,where approved, at no additional premium for eligible policies. Owner can request payment up to $250,000 but not to exceed the lesser of the total face amount of the policy, or 25% of the total death benefit in-force with Reliastar Life on life policies that have the same owner and insured


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ING ReliaStar Life - TermSmart Underwriting Guidelines



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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.

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