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

These term life insurance contractual policy definitions are general in nature and may differ by insurance company and/or by policy filing.


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Policy Date

The Policy Date is shown on the Term Life Insurance Policy Schedule. This date is used to determine premium due dates, policy anniversaries, years and months. Coverage will be effective on the Policy Date.

Issue Date

The Issue Date is the date we complete the processing of the insured's approved application, and issue to the insured or the owner this life insurance policy. It is shown on the Policy Schedule.

Written Notice/Recording Thereof

Written Notice means a notification or request received from the owner in a form satisfactory to us. Written notices are recorded at our administrative office. We will not be responsible for the validity of any written notice.

Term Period

A Term Period of this term life insurance policy is the period of time that premiums are level. The Term Periods are shown in the Term Life Insurance Quote Policy Schedule.

Renewal Date

A Renewal Date is the date on which the previous term period ended.

Expiration Date

The Expiration Date is the end of the last term period. The Expiration Date is shown in the Policy Schedule.


Age is shown in the Policy Schedule and is the insured's  Age as of the nearest birthday on the Policy Date.


The person to receive the proceeds payable at the insured's death.

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


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Get term life quotes from TermLifeAmerica.com-
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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