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What are the contractual provisions of a term life insurance policy contract?

These term life insurance contractual endorsement policy provisions are general in nature and may differ by insurance company and/or by policy filing. Insurers usually direct underwriters to modify standard forms by attaching endorsements preapproved by counsel for various common modifications. In this case the endorsement speaks to a policy premium modification.


The first paragraph under the Premiums section of the Table of Term Life Insurance Premiums and Amounts of Insurance is hereby replaced with the following:

"The Annual Premium is the premium that is required in full, at the beginning of the policy year. Available Non-Annual premium payment modes are: Semi-Annual, Quarterly and Monthly. The Annual Premium is multiplied by the applicable modal factor from the Modal Factors Table to determine each Non-Annual modal premium which will be due on the frequency for the particular mode chosen. The total yearly premiums on a Non-Annual mode can be calculated by multiplying the Non-Annual modal premium by the number of times it is due during a policy year (e.g. 4 for the Quarterly mode). The total yearly Non-Annual premiums will exceed the Annual Premium shown in this Table. The Maximum Annual Premium applies only to the maximum total premium that is payable at the beginning of the policy year under the annual mode and does not apply to premiums paid on a non-annual mode. The total yearly Maximum Non-Annual premiums will exceed the Maximum Annual Premium shown in the Table. This information, as well as the yearly dollar difference between the various Non-Annual modes and the Annual Premium, can be obtained from the Company upon request."

This concludes the term life insurance endorsement policy provisions section of the provisions of a term life insurance policy contract.


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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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