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
Banner
First Colony
Genworth
ING
Jefferson-Pilot
Lincoln Benefit
Lincoln National
North American
Protective
RBC - Liberty Life
SBLI
Security Mutual
Transamerica
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

Links

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.


William Penn Life Insurance Co. of New York, Universal Life Insurance Product Features

 

William Penn is a wholly owned subsidiary of Banner Life, a part of Legal & General America companies.

Term Life America Insurance is proud to offer William Penn Life Insurance Co. of New York Term Life Insurance. Solid resources backed by a combination of innovative products and service beyond expectations. 

Universal life insurance products are known as the most versatile type of life insurance products They provide flexibility in premium payments and adjustable death benefit guarantees thus this life insurance product form can be applied to your changing needs.

The purpose of universal life insurance is to provide protection for your family, business, or others that would experience a significant financial burden in the event of your death.

Universal life insurance, allows you to choose to pay a lower premium for a shorter coverage guarantee or a higher premium for lifetime coverage. Interest rates and cost of insurance will affect your premium amount and length of coverage.

Life Choice UL: Is a flexible premium universal life insurance plan that provides lifetime guaranteed coverage with provisions for guaranteed cash values. Premium flexibility allows you to choose a premium payment period that will guarantee coverage for life or a lesser duration such as coverage to age 90.

Life Choice UL benefits include:
Lifetime Guarantee.
Short Pay Guarantee: Flexible premium and coverage guarantees allow you to design a premium payment over the number of years that you choose.
Guaranteed Cash Value: The lifetime premium not only guarantees coverage but cash value to the policy.


Life Choice UL Policy Disclosure
Policy form # ICC14 UL14, UL-14. Available only in NY.

Policy descriptions provided here are not a statement of contract and are not for public distribution. Life Choice UL is a flexible premium universal life insurance plan.

This product offers a coverage guarantee to initial policy maturity at age 121.

It is possible that the policy will terminate prior to the maturity date if the total premiums paid are not sufficient to continue coverage under the coverage guarantee requirement. A policy loan that exceeds the cash surrender value will result in a lapse of coverage. Life Choice UL policies can be issued ages 20-85, in underwriting classifications preferred plus non-tobacco, preferred non-tobacco, standard plus non-tobacco, standard non-tobacco, preferred tobacco and standard tobacco classes. Substandard policies can be issued through Table 12, subject to underwriting discretion. Current cost of insurance rates varies by underwriting class and coverage amount: $100,000-249,999, $250,000 and over. Access to account value will result in a surrender charge that is applicable during the first 14 policy years. No partial surrenders are allowed.

Current interest and cost of insurance charges used to calculate the policy account value are not guaranteed and may be changed by William Penn at any time for any reason, subject to contractual limits. Additional expense charges will apply. The coverage guarantee amount is used to determine whether or not a policy will lapse and is calculated in a similar manner as the policy account value, using different charges and interest. The coverage guarantee cost factors are guaranteed not to change.

The policy provides for a grace period of 61 days to pay sufficient premiums to prevent policy termination. All coverage under this policy will terminate when the policy is surrendered, insured dies, policy matures or the required payments are not paid by the end of the grace period. However, the policy will not enter the grace period if sufficient premium, according to policy terms, is paid on time and the coverage guarantee amount is greater than zero (assuming no policy loans).

Signed illustrations are required for Life Choice UL.

Specs as of 02.18.10. Two-year contestability and suicide provisions apply.

Underwritten and issued by William Penn Life Insurance Company of New York, Garden City, NY

Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, Garden City, NY. Banner is licensed to do business in 49 states and the District of Columbia. William Penn does business exclusively in New York; Banner does not solicit business there.

Learn more

get a quote  William Penn Life Insurance Company of New York - Overview

get a quote  William Penn -  "Universal Life"

get a quote  William Penn -  "Term Life"


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>