Term Life Insurance by Chase Insurance Company

             
                                   Term Life America insurance


                                                                                        

                                                                                                                                                                                                  

        Term Life Insurance Quotes     

 Home

About Us

Contact Us 

 FAQ's 

Testimonial Reviews 

 Agent Brokerage

  Term Life Insurance

Apply!  

       

Mon.-Fri. 9AM-5PM ET
Toll Free 888.587.8511


Help:
 Go

Policy Owner Service Phone Numbers Go


Health  
    Insurance
    Quotes!


Disability
    Insurance
    Quotes!


Professional and
Employer Group


Offering The Best
Policy Language For Physicians!


Available From Top Rated
Disability Insurance Companies!


Long Term Care Insurance Quotes!

Available From Top
Rated Long Term Care Insurance Companies!
      
America's Top 
    Rated Term Life
    Insurance 
    Companies



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

   · AIG
  ·
Am. Mayflower
  ·
Banner  
  ·
Chase
  · Empire General
  ·
F & G
  · North American
  
· Protective

   · Prudential
   · SBLI
  ·
Security Mutual
 
· Transamerica
  ·
Union Central
  
 ·
U.S. Financial  
  ·
West Coast
  ·
William Penn  


Life Insurance
    Guide


Business Life
    Insurance



  Term Life   
    Insurance
    Applications-
    Underwriting    
    Term Life
    Insurance Polices


 
Term Life
    Insurance 
    Paramedical Exam
    For Your Policy


 
Term Life
    Insurance

    Beneficiary   
    Designation


Return of 
    Premium

 

Term  Life Insurance from:

 
AIG
 
Chase
 
Fidelity & Guaranty
 
Genworth

Related Articles

 Wills, Trusts  Probate  
 Living Wills
 
Living Trusts
 
Drug Detection
 Tax Highlights
 
State Life
 
Insurance
 Departments

 Advice Notice
 
Site Contents
 Spousal Insurance

Links

License #'s: for Lewis Fink, CA: OC38446 MT: 29724 F00-0283-LC 

Not all products from all
companies are available in all states.
  More
 
  Chase Insurance Company

Return Of Premium

Chase is now a Protective Life Company,
the following is old information
Term Life America Insurance is proud to offer Chase Insurance: Chase Term Life Insurance. Solid resources backed by a combination of innovative products and service beyond expectations.  Chase insurance company offers quotes for term life insurance, instant term life insurance, return of premium term life insurance.

Chase Complete Term

Return of Premium Chase Complete Term  pays an endowment at the end of the level period equal to the sum of premiums paid for the base plan of insurance.

Chase Insurance - Complete Term Product Features

State Approvals

Not available in: FL NY OK UT WA

Type

15, 20 and 30-year guaranteed-level premium plans. Pays an endowment at the end of the level period equal to the sum of premiums paid for the base plan of insurance. Death benefit guaranteed level for the life of the policy.

Conversion Options

Prior to the earlier of the 10th policy anniversary or the anniversary nearest the insured’s 65th birthday, a Complete Term policy may be converted to an eligible flexible premium adjustable life plan or whole life plan. The new policy must be available through One Life Insurance at that time and have a higher minimum-premium rate than the Complete Term plan at the time of conversion.

Issue Ages

Issue ages: (age last birthday)
15-year plan 18-65
20-year plan 18-60
30-year plan 18-45

Face Amounts
Min/Max

Band 1:
Ages 18-45: $150,000-$249,999
Ages 46-60: $100,000-$249,999
Ages 61+: $50,000-$249,999

Band 2: $250,000+ face amount

Modal Factors

Semi-annual = .520
Quarterly = .300
Monthly = .087

Policy Fee

$80 annual commissionable policy fee for all face amounts

Special Product
Features

Accelerated Death Benefit
Dependent Children’s Rider (Not compatible with our quote system)
Waiver of Premium (Not compatible with our quote system)

Underwriting Guidelines
Chase Insurance - Complete Term

Classes

- Premier Non-Tobacco (PRNT)
- Preferred Non-Tobacco (PNT)
- Standard Non-Tobacco (SNT)
- Preferred Tobacco (PT)
- Standard Tobacco (ST)

Re-entry

Chase Insurance Complete Term plans allow for one re-entry qualification, at the end of the initial level premium period (i.e., after 15, 20, or 30 years), as long as the insured is younger at the time of re-entry than the maximum issue age for that plan. Re-entry requires evidence of insurability (at company cost). Insureds who qualify avoid the annually increasing premiums that would otherwise follow their level premium period. Instead, re-entry premiums are the same as those for a newly issued policy at the insured’s age at the time of re-entry and are again guaranteed level for the same number of years (15, 20, or 30) as the initial guarantee period.

Tobacco Definition

Non-tobacco rates apply to Preferred, Select, and Standard if the insured has not used tobacco in any form within the last 36 months prior to application; for Premier, no tobacco use in the last 60 months.

Special Underwriting
Features

Premier Non-Tobacco:
BP Average: Age 0-60: No treatment, 135/85; Ages 61+: No treatment, 145/90

Cholesterol: Does not exceed 220/5.0 HDL; No treatment

Family History: No occurrence of CAD or colon or prostate cancer (males) and no CAD or breast, ovarian, or colon cancer (females) in parent or sibling prior to age 60

Occupation/Avocation: No hazardous occupation, sports or hobbies in past 2 yrs or next 2 yrs

Aviation: No flying as pilot or crew member except on regularly scheduled major commercial airline

Driving History: No more than 2 violations in past 3 years. No DUI or Reckless Driving in past 5 years.

Foreign Travel: No travel to underdeveloped countries or areas of political instability within past 2 years or next 2 years.

U.S. Residency: No residence outside U.S. in past 3 yrs.

Preferred Non-Tobacco:
BP Average: Age 0-60: No treatment, 140/90; With treatment, 135/85; Ages 61+: No treatment, 150/90; With treatment, 140/90

Cholesterol: Does not exceed 240/6.0 HDL; Treatment OK

Family History: No death from CAD or colon or prostate cancer (males) and no CAD or breast, ovarian, or colon cancer (females) in parent or sibling prior to age 60

Occupation/Avocation: Flat extra if applicable

Aviation: No flying as pilot or crew member except on regularly scheduled major commercial airline.

Driving History: No more than 2 violations in the past 3 years; No DUI/Reckless driving in past 5 yrs

Foreign Travel: Flat extra if applicable.

U.S. Residency No residence outside U.S. in past 2 yrs.

Select Non-Tobacco:
BP Average: Age 0-60: With or without treatment, 140/90; Ages 61+: With or without treatment, 150/90

Cholesterol: Does not exceed 265/7.5 HDL; Treatment OK

Family History: No death from CAD or colon or prostate cancer (males) and no CAD or breast, ovarian, or colon cancer (females) in parent or sibling prior to age 55

Occupation/Avocation: Flat extra if applicable

Aviation: No flying as pilot or crew member except on regularly scheduled major commercial airline.

Driving History: No more than 3 violations in past 3 yrs; No DUI/Reckless driving in past 5 yrs

Foreign Travel: Flat extra available.

U.S. Residency: No residence outside U.S. past 2 yrs.

Standard Non-Tobacco:
BP Average: All ages: With or without treatment, 155/92

Cholesterol: Does not exceed 300/8.0 HDL; Treatment OK

Family History: No more than 1 death of parent or sibling prior to age 50 from CAD or colon or prostate cancer (males) and no CAD or breast, ovarian, or colon cancer (females)

Occupation/Avocation: Flat extra if applicable

Aviation: No ratable aviation activity

Driving History: Flat extra if applicable; No DUI/Reckless driving in past 2 yrs

Foreign Travel: Flat extra if applicable

U.S. Residency: No residence outside U.S. past 2 yrs.

Learn What Each Rating Means

Policy Owner Service

www.standardandpoors.com

http://ambest.com

www.fitchratings.com

www.moodys.com

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

   


                                                                                                                                       Legal Information   Site Map

Term Life America Insurance

888.587.8511
9:00AM - 5:00PM Eastern Time
PO Box 30248
Charleston, SC 29417

Copyright © 1999 - 2006
TermLifeAmerica.com
                                                                                                                                                                                                      

                                     Term Life Insurance by Chase Insurance Company