Instant Decision Term Life Insurance

Term Life Insurance that is easy and fast.

We offer an instant decision for Term Life Insurance for ages 18-55 up to $500,000 in coverage. You’ll know in minutes if you’re approved, denied, or referred to underwriting. When you’re approved, you’ll know the premium amount and can sign and make the first payment electronically. Just like that, you’ll have Term Life Insurance and protection for your family’s financial future!

Specifications

Issue Limits

Premium Class	Minimum	Maximum
Non-Tobacco/Tobacco
10-Year, 20-Year & 30-Year Term
Issue Ages 18-55	$50,000	$500,000
Select/Select +/Select Tobacco
10-Year Term
Issue Ages 18-45	$250,000	$500,000
Issue Ages 46-55	$100,000	$500,000
20-Year Term
Issue Ages 18-55	$100,000	$500,000
30-Year Term
Issue Ages 18-55	$100,000	$500,000

10- 20- and 30-Year Premiums

Annual, Semi-Annual, Quarterly and Monthly
EFT options are available for all modes of payment

Key Features

Instant Decision for Term Life Insurance for ages 18-55 up to $500,000 in coverage
Online application takes between 10-15 minutes to complete with electronic signatures
Guaranteed coverage for a specified period of time
Option to convert to a permanent policy
Affordable premiums to fit most budgets
Coverage for temporary needs such as income replacement or child’s tuition
Convenient monthly electronic fund transfer payments, other options include quarterly, semi-annual and annual payments

Ideal Client

Someone looking for a low-cost way to fulfill their short-term life insurance needs, especially when cost is the primary concern

Income replacement
Supplement Education funding
Business Buy or Sell
Retirement and Pension Maximization
Estate Conversation
Charitable Giving

Case Studies

Meet Gabby and Nick

Age: 32 and 36
Household Income: $100,000
Family: Married with no children
Health Status: Good health
Goals: Ensure their spouse is provided for and their house and income are protected

Their Story:

Gabby and Nick are in their 30s. They are a dual-income family, newly married and recently closed on a beautiful home. They decided to meet with their representative to discuss options for financially protecting their futures. Their representative performed a needs analysis and discovered they each needed $500,000 in coverage over the next 10 years to help protect their income and mortgage should something happen to one of them.

Their representative was able to help them purchase Term Life Insurance policies the same day at an affordable cost that fit within their budget.

Meet Monica

Age: 23
Income: $32,000
Family: Single
Health Status: Average health
Goals: Ensure her parents have financial protection to cover her student loans and secure a premium she can comfortably afford

Her Story:

Monica will graduate from nursing school in just a few months and has accumulated a large sum of student loans. If something were to happen to her, she wants to ensure her parents, who cosigned for her loans, will have enough financial protection to pay them off.

Monica met with her representative to discuss her options. With money being tight as a current nursing student, she selected a 10-Year Term Life Insurance plan for $65,000 in coverage. The premiums fit her budget and she’s thankful for the opportunity to convert to a permanent insurance policy down the road.

Product Information Sheets

To request a personalized product information sheet for Instant Decision Term Life Insurance, email our sales support team at sales@trustedfraternallife.org. Please include the product name, brand, headshot and the contact information you would like on the sheet.

Important Advisories

Premiums remain level throughout the initial term period; thereafter, the policy is automatically renewed on an annual renewable term basis to age 95. New premiums will be based on current age at the time of renewal.
Term Life Insurance can be converted to permanent life insurance with Trusted Fraternal Life at any time during the level term period or the contract anniversary following the insured’s 75th birthday, whichever comes first. Conversion is subject to the age and minimum face amount requirements of the permanent plan.
Like all life insurance policies, this policy has exclusions, limitations, reduction of benefits, and terms under which the contract may be continued in force or discontinued. For costs and complete details of coverage, contact your representative or call (800) 965-2547.

Term Life Insurance ICC20 TRM (30); ICC20 TRM (30) SPN; 2020 TRM FL (30) and 2020 TRM FL (30) SPN.

15-0048-05/25

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