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American General
First Colony
Lincoln Benefit
Lincoln National
North American
RBC - Liberty Life
Security Mutual
Union Central
U.S. Financial
West Coast
William Penn
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Return of Premium Term  Life Insurance From:   AIG    Chase   Fidelity & Guaranty   Genworth

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Term Life Insurance by Top Rated Companies
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"how term life insurance works", "return of premium term life insurance",
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Fidelity & Guaranty Life Insurance Company


Return of Premium

Fidelity & Guaranty Life Insurance Company name was changed to Old Mutual Financial Life Insurance Company

For Policy Owner Service 1-888-513-8797   For New Business Quotes 1-888-587-8511

Term Life America Insurance
is proud to offer
Fidelity & Guaranty Life Insurance Company Product Offerings Solid resources backed by a combination of innovative products and service beyond expectations.

Fidelity & Guaranty Life Insurance is now offering Return Of Premium Term Life Insurance.

Special Product Features-

Return of Premium

Saver's Select Term - Form # FGLRTRC2(5-96) Product Features

State Approvals

Saver's Select NOT available in: NY, OR

20 Year Term only available in WA


A 15, 20 and 30-year term life insurance product with premiums payable to age 95. It offers a level death benefit with premiums projected to remain level for the term period. Premiums are guaranteed for 10 years, with an option to be guaranteed for the full term period at an additional cost. Also available with an optional return of premium feature.

Conversion Options

Policies are convertible on or before the tenth policy anniversary. Conversion available to a UL policy F & G Life makes available for conversions.

Issue Ages

              10 Year     Term Period 
             Guarantee     Guarantee 
15-Year Term: 18-70          18-60 
20-Year Term: 18-70          18-55 
30-Year Term: 18-65          18-45 

Face Amounts

Minimum Face - $150,000 (ages 60 and higher to $100,000)

Modal Factors

Semi-annual = .51
Quarterly = .26
Monthly = .09

Policy Fee

$60 annually, fully commissionable. No additional policy fee for up to 3 other insureds.

Special Product

Return of Premium
Other Insured (up to 3 per policy)
Disability Income
Waiver of Premium
Childs Rider
Accerated Death Benefit
Issue Ages (age last birthday)
Ultimate Income Rider

Saver's Select Term - Form # FGLRTRC2(5-96)

Underwriting Guidelines


Preferred Non-Tobacco
Preferred Tobacco


Coverage may be continued at annually increasing premium rates to age 95.

Tobacco Definition

No tobacco use for the past 24 months for Preferred Nontobacco users.

Special Underwriting

Preferred Underwriting Guidelines

No ratable health impairments.

No more than one death in family history (parents or siblings)before age 60 due to cardiovascular disease or cancer.

No current or history of blood pressure treatment and no current history of blood pressure readings in excess of:
150/90 age 50 and younger
160/95 ages 51 to 65
(Blood pressure treatment allowed as long as controlled over the last 2 years).

No more than two moving motor violations in last 3 years and no DWI/DUI in last 5 years.

No tobacco use for the last 24 months for preferred nontobacco users.

Cholesterol no greater than:
260 age 50 and younger
280 ages 51 to 65
300 ages 66+

Cholesterol/HDL ratio cannot exceed 7.0
(Cholesterol treatment allowed as long as controlled over the last 2 years).

No alcohol or substance abuse.

Must meet acceptable height/weight requirements.

Aviation and avocation available at the appropriate flat extra rating.


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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