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Union Central Keystone Term Product Features

 


Keystone Term

Union Central - Keystone Term Product Features Are Approved in all states except: FL GA MA NJ OR UT VT WA WY
   
Type Level Term
Conversion Options
  • Convertible to age 75
    Conversion credits are the lesser of premium paid to date or 12 months or premium (including policy fee, but excluding supplemental benefits and substandard extra premiums)
    Commission of 20% paid on conversion credits
  • Issue Ages Age Nearest Birthday for all states

    Preferred Plus
    KT 1: Ages 18-75
    --In NY: Ages 18-70
    KT 10: Ages 18-75
    --In NY and WA: Ages 18-70
    KT 15: Ages 18-75
    --In NY and WA: Ages 18-65
    KT 20: Ages 18-70
    --In NY and WA: Ages 18-60 --In CA IN OR and PA: Male= 18-69
    KT 30/10: Ages 18-60
    --In NY and WA: Ages 18-50 --In CA IN OR and PA: Male= 18-53; Female 18-54
    KT 30/30: Ages 18-50
    --In NY and WA: Ages 18-50

    Preferred
    KT 1: Ages 18-75
    --In NY: Ages 18-70
    KT 10: Ages 18-75
    --In NY and WA: Ages 18-70
    KT 15: Ages 18-75
    --In NY and WA: Ages 18-65 --In CA IN OR and PA: Male= 18-74
    KT 20: Ages 18-70
    --In NY and WA: Ages 18-60 --In CA IN OR and PA: Male= 18-67
    KT 30/10: Ages 18-60
    --In NY and WA: Ages 18-50 --In CA IN OR and PA: Male= 18-53; Female 18-58
    KT 30/30: Ages 18-50
    --In NY and WA: Ages 18-50

    Select Non-Tobacco
    KT 1: Ages 18-75
    --In NY: Ages 18-70
    KT 10: Ages 18-75
    --In NY and WA: Ages 18-70
    KT 15: Ages 18-75
    --In NY and WA: Ages 18-65 --In CA IN OR and PA: Male= 18-74
    KT 20: Ages 18-70
    --In NY and WA: Ages 18-60 --In CA IN OR and PA: Male= 18-67
    KT 30/10: Ages 18-60
    --In NY and WA: Ages 18-50 --In CA IN OR and PA: Male= 18-52; Female 18-57
    KT 30/30: Ages 18-50
    --In NY and WA: Ages 18-50

     

    Face Amounts
    Min/Max
    Minimum: $100,000
    Maximum Face Amount subject to underwriting
    Modal Factors Semi-annual = 0.510
    Quarterly = 0.260
    Monthly = 0.086
    Policy Fee $80 annually (Non-commissionable)
    Special Product
    Features
    Children's Insurance Rider
    Description
    Policy owners may purchase coverage for their children under this rider. Each child must be named on the application or added to the policy if he or she is born after the date of the application. If the child is adopted, the date of the adoption must be after the date of the application and before the child's 18th birthday.
    Issue Ages
    Age 18-55 (Parent/Policyholder)
    Age 15 days to 18 years (child)
    Age limits
    Does not insure any child less than 15 days old or after age 25 (meaning the anniversary date nearest the child's 25th birthday)
    Conversion Privilege
    The policy owner may convert the insurance on each insured child to any permanent plan without proof of insurability under the following circumstances:
  • The amount of the new policy is at least $25,000 (or the minimum face amount for the product to which it converted)
  • A written application is received in the Home Office
  • The new policy is the same risk class
  • The policyholder may convert the amount of insurance on each child until age 25; Conversion may be as much as five times the rider amount

    Accidental Death Benefit Rider
    Description
    The policyholder may select an amount to be paid (in addition to the policy face amount) in the event of death of the insured under the base policy resulting from accidental bodily injury occurring within 120 days of the injury and prior to the insured's 70th birthday. If death results from the insured's travel as a fare paying passenger on a public conveyance operated by a licensed common carrier for passenger service, the rider benefit is doubled.
    Issue Ages
    KT 1, KT 10 and KT 15: Age 18-65
    KT 20 and KT 30: Age 18-60
    Maximum Amount of Coverage $250,000
    Rider Termination
    The rider will terminate under any of the following circumstances:

  • When the policy terminates
  • On the first Monthly Date after the policyholder gives notice
  • On the annual date nearest the insured's 70th birthday

    Life Needs Option
    Description
    This is an accelerated death benefit rider available in states where approved. New and existing policyholders can add this rider, which enables them to receive an advance of up to 50 percent of the policy's death benefit (up to $500,000) if they become terminally ill. To add the Accelerated Benefits Rider, please submit disclaimer statement UC 8764 at the time of the application
    Specifications
    Advanced payment plus accrued interest are treated as a lien against death proceeds; the balance of the death benefit (less interest of the advanced payment) remains in the policy to be paid out to the beneficiary upon the insured's death. It costs nothing to add this option. To exercise, insured must have a life expectancy of less than 12 months, as certified by a physician. This option is not a long-term care policy. Benefits may be taxable, and may affect Medicaid eligibility. A policyholder should be advised to seek competent legal or tax counsel

    Waiver of Premium for Total Disability
    Description
    Available in all states, this rider provides for the premium to be waived on the base policy and all riders, and the policy to remain in force during continued disability. Premiums will be waived at the payment interval in effect when disability begins; Total disability is that which results from bodily injury or disease, lasts for at least six months, begins before age 65, and continuously prevents the insured from engaging in "an occupation for pay or profit." After the first 24 months of disability, "an occupation" means any occupation for which the insured is or becomes reasonably suited by education training or experience
    If total disability begins:

  • Before age 60: premiums due during that disability will be waived
  • On or after age 60 but before age63: only premiums due before age 65 and during that disability will be waived
  • On for after age 63 but before age 65: only premiums due during the two-year period after that disability begins and while it continues will be waived
    Amount of Benefit
    The amount of premium waived will be equal to the annualized premium on the policy
    Premiums Not Waived
    Premiums will not be waived on account of intentionally self-inflicting injuries or an act of declared or undeclared war while the insured is a member of the armed forces
    Premium Payments
    Premiums are payable until the company has approved a claim for waiver of premium paid and later waived will be refunded
    Termination
    The rider will terminate under any of the following:
  • When the policy terminates
  • When any premium for the policy or this rider is in default beyond the premium grace period
  • On receipt of the owner's written request for termination that is received at least 31 days before the premium due date
  • On the policy anniversary nearest the insured's 65th birthday (this does not affect an eligible claim occurring before age 65)
    Rider Dates
    The rider may be issued at the same time as the policy pr at a later date. If the rider is issued after the policy, a supplemental policy schedule will be issued.
    Rider Reinstatement
    Rider may be reinstated upon reinstatement of the policy
    Rider Issue Age
    This rider may be issued to age 55; it will remain on the policy to age 65
    Rider Cost
    The cost for this rider varies by age, sex and tobacco status
  • Back To Top


    Union Central - Keystone Term Underwriting Guidelines
    Classes Preferred Plus Non-Tobacco
    Preferred Non-Tobacco
    Select Non-Tobacco
    Standard Non-Tobacco
    Preferred Tobacco
    Standard Tobacco
    Re-entry Renewable
    Age 80 in NY
    Age 100 in all other states
    Tobacco Definition Preferred Plus: No tobacco use in the past 36 months

    Preferred: No tobacco use in the past 24 months

    Select Non-Tobacco: No tobacco use in the past 12 months

    Special Underwriting
    Features
    Preferred Plus:
    Applicant must meet all Preferred Plus criteria in addition to all Preferred criteria. Failure to do so will automatically eliminate the proposed insured from qualifying for Preferred Plus underwriting. If any of the questions below are answered “yes,” the policy will not be issued Preferred Plus. No exception will be allowed.

    • Have you used any form of tobacco in the last 36 months?

    • Have you participated in any hazardous sport activities or aviation in the last five years?

    • Have you ever been charged with or convicted of a DWI or DUI in the last 10 years?

    • Have you ever sought or received treatment for alcohol and/or drug abuse?

    • Does your total cholesterol exceed 225 and total cholesterol/HDL ratio exceed 5.0?

    • Have you experienced significant hypertension in the past, and are current blood pressure readings normal (140/85 or less)?

    • Have you been charged with more than 2 traffic violations within the last 36 months?

    • Is your current blood panel completely normal?

    For Preferred Plus, also follow the Preferred guidelines listed below.

    Preferred
    If the proposed insured answers “yes” to any of the following questions, he/she may not be eligible for the Preferred classification. In the event of a “yes” answer, submit the questionnaire to your Home Office Underwriter with a written explanation outlining details of that answer.

    If all answers are “no” and the evidence of insurability submitted with the application is determined by underwriting to be favorable, the policy will be issued as Preferred.

    • Have you used any form of tobacco in the past 24 months?

    • Are you a private pilot with less than 500 solo hours; or do you fly more than 250 hours per year; or do you fly in other than conventional aircraft (jet/prop)?

    • Have you been charged with two or more traffic violations within 24 months or have you been convicted of driving under the influence of alcohol or any other drug within the past five years?

    • Have you sought or received treatment for alcohol or drug abuse within the last 10 years?

    • Has a member of your immediate family died of or been diagnosed with coronary artery, cerebral vascular disease or diabetes prior to age 60?

    • Have you ever had or been told by a doctor that you had cancer, diabetes, heart disease or an abnormal EKG?

    • Based on your age, does your total cholesterol exceed the following limits?
    ...Age 20-40: Cholesterol mg/dl 230
    ...Age 41-55: Cholesterol mg/dl 250
    ...Age 56-up: Cholesterol mg/dl 270

    • Is your HDL less than 45mg/dl?

    • Is your blood pressure higher than 140/85? (If over age 55, 150/90)

    Select Non-Tobacco
    If you answer yes to any of the following questions you may not be elegible for this class. If all the answers are "no" and the evidence of insurability submitted with the application is favorable, the policy will be issued as Select Non-Tobacco.

  • Have you used any form of tobacco in the past 12 months? The only exception is the occasional celebratory cigar (not more than 6 c igars per year) with a negative HOS for nicotine finding.

     

  • Are you a private pilot with less than 350 solo hours; or do you fly more than 250 hours per year; or do you fly in other than conventional aircraft (jet/prop)?

     

  • Have you been charged with three or more traffic violations within 24 months or have you been convicted of driving under the influence of alcohol or any other drug within the past three years?

     

  • Have you sought or received treatment for alcohol or drug abuse within the last eight years?

     

  • Has a member of your immediate family died of or been diagnosed with coronary artery, cerebral vascular disease or diabetes prior to age 60?

     

  • Does your weight exceed the limit for your height according to the Height and Weight Build Chart?

     

  • Have you ever had or been told by a doctor that you had cancer, diabetes, heart disease or an abnormal EKG?

     

  • Based on your age, does your total cholesterol exceed the following limits?
    ...Age 20-40: Cholesterol mg/dl 245
    ...Age 41-55: Cholesterol mg/dl 265
    ...Age 56 and up: Cholesterol mg/dl 285

     

  • Does your total cholesterol/HDL ratio exceed 6.5?

     

  • Is your blood pressure higher than 150/90?


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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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