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TermSmart Term Life Insurance

 

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
Type TermSmart 10:
Premiums are guaranteed to remain level for 10 years and increase annually thereafter.

TermSmart 15:
Premiums are guaranteed to remain level for 15 years and increase annually thereafter.

TermSmart 20:
Premiums are guaranteed to remain level for 20 years and increase annually thereafter.

TermSmart 30:
Premiums are guaranteed to remain level for 30 years and increase annually thereafter.

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

TermSmart 10:
During the first 10 policy years not to exceed age 75

TermSmart 15:
During the first 15 years not to exceed age 75

TermSmart 20:
During the first 20 years not to exceed age 75

TermSmart 30:
Conversion to selected fixed or variable universal life policies issued by ING life insurance company without evidence of insurability
Issue Ages Age Nearest Birthday

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

In Washington
TermSmart 10: 18-70
TermSmart 15: 18-65
TermSmart 20: 18-60

Face Amounts
Min/Max		 Band 1 – $100,000 – 199,999
Band 2 – $200,000 – 999,999
Band 3 – $1,000,000+
Modal Factors Semi-annual = .52
Quarterly = .265
Monthly = .0875
Policy Fee $60: $100,000-$199,999
$50: $200,000+
Special Product
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


Next:  ING ReliaStar Life - TermSmart Underwriting Guidelines



   
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TermLifeAmerica.com- Lewis Fink is licensed as an insurance agent offering Life Insurance in the following states: 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 insurance products from all insurance companies are available in all states.
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