Term Life Insurance

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20 Year Level Term

• Term life insurance providing coverage for 20 years.
• Premiums are payable for twenty years and the rates are guaranteed not to increase.
• Issue ages are 16 through 80.
• Minimum purchase amount is $50,000.
• The certificate may be converted to any permanent plan offered by the Association for the same or less insurance coverage, without evidence of insurability before the end of 20 years, but not after age 75.
• The certificate may not be renewed.
• No Dividends are anticipated.

Return of Premium Rider (Optional)

• An optional benefit at an extra premium.
• The rider period corresponds to the term period in the 20 Year Level Term Plan.
• If the insured dies during the term period, only the death benefit under the term plan is paid to the beneficiary.
• If the insured is still living at the end of the term period, a maturity benefit, equal to the sum of all premiums paid on the term plan is returned to the insured.
• This rider does not change the death or cash surrender benefits provided by the base 20 Year Level Term plan.
• This rider is not available in all states.

Yearly Renewable Term

• Renewable and Convertible Term providing level life insurance protection with a modest increase in premium each year.
• Immediate estate is created to provide protection with the least premium outlay of any plan available.
• Certificate can be used for mortgage protection, buy and sell business agreements, estate tax funding, and many other needs.
• Minimum purchase amount is $25,000.
• Issue ages are 24 through 75.
• Dividends are not anticipated.

"Super Youth" Term to Age 25

• Term life insurance to age 25.
• Provides young members the best possible life insurance benefits at the least cost.
• Allows the insured to convert, prior to age 25, to any plan of insurance being offered by the Association, regardless of health.
• Member will have guaranteed future insurability.
• Issue Ages: 0 through 23 on the Annual Premium Plan; 0 through 19 on the Single Premium Plan.
• Dividends are not anticipated.

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