term life insurance you can afford, and we're not pushy!

  888.587.8511   FAQs I Customer Comments I Agent Brokerage
Term Life Insurance Quotes By Top Rated Companies



Term Life Insurance Definitions helps to become more knowledgeable of term life insurance and permanent life insurance.

Term Life Insurance what it is, how does it work- Instant Quotes, traditional - return of premium - no exam

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

Policy Service Phone Numbers

Top Rated Term Life Insurance Companies

See which company is most suitable for your needs

American General
First Colony
Lincoln Benefit
Lincoln National
North American
RBC - Liberty Life
Security Mutual
Union Central
U.S. Financial
West Coast
William Penn
More get a quote

Health Insurance Quotes!

Disability Insurance Quotes!

Long Term Care!

Life Insurance Guide

Business Life Insurance

Applications Underwriting Term Life Insurance Polices  

Paramedical Exam For Your Policy

Beneficiary Designation

Return of Premium Term  Life Insurance From:   AIG    Chase   Fidelity & Guaranty   Genworth

Estate Planning Info You Can Use

Life Insurance
Life Insurance is for the Living

License #'s: for Lewis Fink


Term Life America - Facebook 
Find us on Facebook

   Find us on Google+

Term Life America - Twitter  Follow us on Twitter


Term Life Insurance by Top Rated Companies
More term companies equals the best opportunity to obtain the lowest term quote!

Term Life Insurance Quotes Term Life Insurance No Exam Final Expense Life Insurance Quotes

Offering the Largest Selection of Top-Rated Companies Instantly!  Why is this important?
Personalized Tele-Application for All Companies, Right Over the Phone!
 For the serious shopper who would like a seasoned professional to assist them-
"how term life insurance works", "return of premium term life insurance",
"no exam term life insurance" and "what is term life insurance" will be explained on this page.

US Financial Is No Longer Writing Life Insurance


Term Life America Insurance
is proud to offer U.S. Financial Life Insurance. Solid resources backed by a combination of innovative products and service beyond expectations.


U.S. Financial - Aries Series 5, 10, 15, 20, 30

Aries Series 5, 10, 15, 20, 30 Product Features

State Approvals

U.S. Financial is not admitted in the following states: DC NY


U.S. Financial "no longer" offers the Aries 5, 10, 15, 20 and 30 term life product that featured level guaranteed rates for 5, 10, 15, 20 and 13 years, respectively. They are guaranteed renewable to age 95 and provide insured with an opportunity for conversion or re-entry.

Conversion Options

Plans are convertible to any permanent plan available from U.S. Financial Life, at the same underwriting classification, until one of the following occurs:
.....Insured's 70th birthday, or
.....The policy's tenth anniversary for Aries 15, 20 and 30 or fifth anniversary for Aries ART, 5 and 10

A conversion credit is available.

Partial conversions are available if the remaining face amount meets minimum requirements. No evidence of insurability required.

Issue Ages

Age Nearest Birthday

Aries 5: 50-80
Aries 10: 18-75
Aries 15: 18-70
Aries 20: 18-65
Aries 30: 18-50

For Washington:
Aries 15: 18-55
Aries 20: 18-50

For Oregon:
Aries 15: 18-70
Aries 20: 18-63
Aries 30: 18-47

Face Amounts

Minimum -$50,000*

*Minimum premium is $300

Modal Factors

Semi-annual = .52
Quarterly = .275
Monthly = .089

Policy Fee

$100 Annually (Non-Commissionable)

Special Product

Waiver of Premium:
Available through issue age 55 (50 for the 30-year plan). Expires on the policy anniversary on or following insured's 60th birthday. (There is only one schedule of rates for this benefit--available on illustration software.)

Children's Insurance Benefit:
Provides level term insurance for insured's legally adopted or natural children who are 15 days to 17 years old at issue. (Coverage continues to child's age 25.) Children born to the insured or newly adopted will be covered after they reach 15 days of age. This coverage terminates on the policy anniversary date on or after insured's 65th birthday. Maximum coverage per child is $10,000. Premium is $9 per $1,000 annually.

U.S. Financial - Aries Series 5, 10, 15, 20, 30 Underwriting Guidelines


Preferred Non-Smoker
Super Standard Non-Smoker
Standard Non-Smoker
Preferred Smoker
Standard Smoker


Aries 5, 10, 15, 20 and 30: provide a re-entry privilege. At the end of the guarantee level premium period, the insured can submit new evidence of insurability to re-qualify for another period of level premiums. If the insured does not qualify, the original policy may be maintained to age 95 with premiums that increase yearly. Re-entry is not available past the policy anniversary nearest the insured's 65th birthday

Tobacco Definition

Preferred Non-Smoker no more than occasional, social tobacco usage and must otherwise be in preferred health

Super Standard Non-Smoker no more than occasional, social tobacco usage and must otherwise be in slightly less than preferred health

Preferred Smoker cigarette smokers not exceeding a pack a day

Standard Smoker cigarette smoker exceeding a pack a day

Special Underwriting

To qualify for Preferred:
No history of cardiovascular disease, diabetes, lung disease

No history of cancer (except for certain basal cell skin types)

Substance abuse - clean and sober for 5+ years and attending A.A./N.A.

Must have routine check-ups

Family History - No familial pattern of early cardiovascular disease

U.S. Residency - 2+ years in the U.S., with permanent visa or Green Card and intention of staying permanently

No DUI within two years

Build needs to be standard or better

Blood Pressure - Standard or better, otherwise treated and controlled

Travel - Does not frequent high risk areas

Avocation- May require a flat extra rating.

Aviation - May require an exclusion rider


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.

<Return To Previous Page>