term life insurance you can afford, and we're not pushy!

   888.587.8511  
 Term Life Insurance Quotes		  

  Term Life Insurance Quotes

Term Life Insurance Quotes
 
Term Life Insurance Definitions helps the buying public to become more knowledgeable of term life insurance and  permanent life insurance.

 Apply!   
       
Mon.-Fri. 9-5 ET
 Toll Free 888.587.8511 
Help: Contact Us

 Policy Owner Service Phone Numbers >>

America’s Top Rated Term Life Insurance Companies
American General | American Mayflower | Banner | Chase | Empire General | F & G | First Colony | Genworth | ING | Jefferson-Pilot | Lincoln Benefit | Lincoln National | North American | Protective | Prudential | RBC - Liberty Life | SBLI | Security Mutual | Transamerica | Union Central | U.S. Financial | West Coast | William Penn

Affordable buy online in 10 minutes from a  top rated carrier!

get a quote Health Insurance Quotes!

get a quote Disability Insurance Quotes!


Offering The Best Policy Language For Physicians From Top Rated Disability Insurance Companies!

get a quote Long Term Care Insurance Quotes!
Available From Top Rated Long Term Care Insurance Companies!



 
 


Term Life Insurance by Top Companies
 For the serious shopper who would like a seasoned professional to assist them-
Term Life Insurance Quotes     Term Life Insurance No Exam

 Offering the Largest Selection of Top-Rated Companies Instantly!  Why is this important?
 Personalized Tele-Application for All Companies, Right Over the Phone!
 More companies allows for the best opportunity to obtain the lowest term life insurance quote!

Banner Life Products
  
 

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

Banner Life - OPTerm 10, 15, 20, 30  Policy form #RT-97 Product Features
 
State Approvals
Approved in all states except: MT, NY
  Type Level Term guaranteed for 10, 15, 20 or 30 years. Premiums increase annually in years 11, 16, 21, and 31 years respectively.
  Conversion Options Convertible for the duration of the guaranteed level premium period or up to attained age 70, whichever comes first. Policies issued at age 66 or over are convertible during the first five policy years.
  Issue Ages Age Nearest Birthday

OPTerm 10: 20-80
OPTerm 15: 20-70 (20-65 in WA)
OPTerm 20: 20-65 (20-62 OR; 20-60 in WA)
OPTerm 30: 20-50 (20-45 Tobacco classes in OR and WA)
  Face Amounts
Min/Max		 Band 1 - $100,000-$249,999
Band 2 - $250,000 -$999,999
Band 3 - $1 million and over
  Modal Factors Semi-annual = .51
Quarterly = .26
Monthly = .0875
  Policy Fee $50 annually (Non-Commissionable)
  Special Product
Features		 Waiver of Premium: Waiver of Premium issue ages 20-55 for OPTerm 10, 15 & 20. Available ages 20-50 for OPTerm 30. Waiver of Premium coverage ceases at age 59. Banner will waive all premiums that are due during total disability if: 1) we are given due proof of total disability; and 2) such total disability has then existed continiously for at least 6 months.
Banner Life - OPTerm 10, 15, 20, 30 Policy form #RT-97 Underwriting Guidelines
 
Classes
Preferred Plus Non-Tobacco
Preferred Non-Tobacco
Standard Plus Non-Tobacco
Standard Non-Tobacco
Standard Tobacco

OPTerm 10, 15, 20, 30 substandard policies can be issued through Table 12. Table rating are not available on Preferred Plus Non-Tobacco or Preferred Non-Tobacco class.
  Re-entry Reentry: Evidence of insurability must be provided in accordance with the underwriting requirements at the time of reentry.

OPTerm 10: Available through the end of the initial 10-year period, through age 80.
OPTerm 15: Available through the end of the initial 15-year period, through age 70.
OPTerm 20: Available through the end of the initial 20-year period, through maximum issue age.
OPTerm 30: Available through the end of the initial 30-year period, through maximum issue age.
  Tobacco Definition Preferred Plus Non-Tobaco: no tobacco use or nicotine-based products in the past 36 months
Preferred Non-Tobacco: no tobacco use or nicotine-based products in the last 24 months
Standard Plus Non-Tobacco: no tobacco use or nicotine-based products in the last 12 months
Standard Non-Tobacco: no tobacco use or nicotine-based products in the last 12 months
  Special Underwriting
Features		 Preferred Plus Non-Tobacco:
Impairments: No personal history of disease or impairment that would affect mortality

Blood Pressure: Currently well controlled with or without treatment, with no readings in the past two years greater than 136/86

Family History: No cardiovascular disease or cancer in either parent or siblings before age 60

Driving History: No more than 2 violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 5 years.

Cancer History: Only available on certain types of skin cancer

Cholesterol: Levels may not exceed 220; CHOL/HDL may not exceed 5.0

Alcohol/ substance abuse: No history of substance or alcohol abuse

Aviation: Only available with exclusion rider

Avocation: Available only if no flat extra premium would be required

Residency/ Citizenship: Must be a US resident for past 3 years and either a US citizen or have permanent Visa or Green Card

Preferred Non-Tobacco :
Impairments: No personal history of disease or impairment that would affect mortality

Blood Pressure: Currently well controlled with no readings in the past two years greater than 146/90

Family History: No cardiovascular or cancer death in either parent before age 60

Driving History: No more than 2 violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 5 years.

Cancer History: Only available on certain types of skin cancer

Cholesterol: Level may not exceed 250; CHOL/HDL Ratio may not exceed 6.0

Alcohol/ substance abuse: No alcohol or substance abuse in the past 10 years

Aviation: Preferred is available with flat extra or exclusion rider

Avocation: Preferred is available, however may have flat extra

Residency/ Citizenship: Must be a US resident for past 3 years and either US citizen or have permanent Visa or Green Card

Standard Plus Non-Tobacco :
Impairments: No personal history of disease or impairment that would affect mortality

Blood Pressure: Currently well controlled with no readings in the past two years greater than 152/92

Family History: No cardiovascular or cancer death of more than one parent before age 60

Driving History: No more than 3 violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 3 years.

Cancer History: Available depending on type and duration of cancer

Cholesterol: Level may not exceed 280; CHOL/HDL Ratio may not exceed 7.0

Alcohol/ substance abuse: No alcohol or substance abuse in the past 7 years

Aviation: Standard Plus is available with flat extra or exclusion rider

Avocation: Standard Plus is available, however may have flat extra

Residency/ Citizenship: Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green Card

Standard:
Impairments: No personal history of disease or impairment that would affect mortality

Blood Pressure: Currently well controlled with no readings in the past two years greater than 156/94

Family History: No cardiovascular or cancer death of more than one parent before age 60

Driving History: No more than 4 violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 2 years.

Cancer History: Available depending on type and duration of cancer

Cholesterol: Level may not exceed 300; CHOL/HDL Ratio may not exceed 8.0

Alcohol/ substance abuse: No alcohol or substance abuse in the past 7 years

Aviation: Standard is available with flat extra or exclusion rider

Avocation: Standard is available, however may have flat extra

Residency/ Citizenship: Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green Card


Banner Term Products Overview >>


   
HTML Comment Box is loading comments...



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.
<Return To Previous Page>