FAQs
What kind of life insurance plan is this?
Term life insurance offers three levels of coverage at affordable rates. The policy insures your life until you reach age 70.
Why do I need this type of insurance?
Term to Age 70 life insurance can help your family avoid financial hardship in the event of your death before you reach age 70.
How much term life insurance can I apply for today?
If you are between the ages of 18 and 59, you (and your spouse) can apply for $25,000, $50,000 or $75,000 in coverage.
How much coverage do I need?
Start by figuring out how much income your family would need to live on without you. Our calculator tool can help you determine the amount of coverage you need to protect your family.
Can my spouse apply too?
Yes. Not only can you begin the application process online, but your spouse (if age 18-59) can begin the application process, too.
Is there a Free Look Period on this coverage?
We want you to be confident you've made the right decision. When your arrives, you'll have 30 days (31 in South Carolina) to review it in detail. If you're not totally satisfied that the coverage meets your needs, simply return your within 30 days (31 in South Carolina) of receiving it for a full refund of premiums paid.
Do I have to take a medical exam?
A medical exam is not usually required. Acceptance is based on the information you provide. If an exam is needed, it’s at our expense and your convenience.
What happens if I change jobs or retire while covered?
As long as the premiums are paid, the “Term-to-70” Plan provides continuous coverage to age 70 even if you change jobs or retire. You own the and can take it with you.
Can I convert to a whole life policy?
You can elect on or before age 70 to convert your term life coverage to a whole life insurance plan for protection that lasts as long as you live. Your new premium is based on your age and class at the time you convert.
Policy Form: GC228 and D524 series. Not available in all states.