|
|
|
|
Term Life Insurance by Top
Rated Companies
More term companies
equals the best opportunity to obtain the lowest term quote!
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.
 |
TermSmart Term Life Insurance
Product Review
 |
|
|
Term Life America Insurance is proud to offer
ING ReliaStar Life.
Solid resources backed by a combination of innovative
products and service beyond expectations.
ING ReliaStar Life - TermSmart Product Features
|
|
State Approvals |
ING ReliaStar Life TermSmart Product Features
Are Available in all states except: NY |
|
Offerings |
Term For 10 Years:
Premiums are guaranteed to remain level for 10
years and increase annually thereafter.
Term
For 15
Years :
Premiums are guaranteed to remain level for 15
years and increase annually thereafter.
Term
For 20
Years :
Premiums are guaranteed to remain level for 20
years and increase annually thereafter.
Term
For 30
Years :
Premiums are guaranteed to remain level for 30
years and increase annually thereafter.
|
|
Options For Conversion |
TermSmart plans are convertible, without
evidence of insurability, to selected permanent
plans issued at that time by the Company as
follows:
Term For 10 Years:
During the first 10 policy years not to exceed
age 75
Term
For 15
Years :
During the first 15 years not to exceed age 75
Term
For 20 Years :
During the first 20 years not to exceed age 75
Term
For 30 Years :
Conversion to selected fixed or variable
universal life policies issued by ING life
insurance company without evidence of
insurability |
|
Available Issue Ages |
Age Nearest Birthday
Term
For 10 Years : 18-75
Term
For 15
Years : 18-70
Term
For 20 Years : 18-65
Term
For 30 Years : 18-50 (45 for Smokers)
In Washington
Term
For 10 Years : 18-70
Term
For 15
Years : 18-65
Term
For 20 Years :
18-60 18-60 18-60 |
Face Amountsts
Min/Max |
Band 1 – $100,000 – 199,999
Band 2 – $200,000 – 999,999
Band 3 – $1,000,000+ |
|
Premium Modal Factors |
Semi-annual = .52
Quarterly = .265
Monthly = .0875 |
|
Policy Fee |
$60: $100,000-$199,999
$50: $200,000+ |
|
Special
Features |
Accidental Death Benefit issue ages
18-60, provides coverage up to face amount, to a
maximum of $300,000, expires on policy
anniversary nearest to insured's 60th birthday
Waiver of Premium available, issue ages
18-55, automatically expires on the policy
anniversary nearest to the insured's 60th
birthday
Children's Term Insurance available ages
15 days-18 years for child and 18-60 for insured
parent, at $6.00 per each $1,000 unit of
coverage (minimum $2,000 = 2 units, maximum
$10,000 = 10 units)
Living Benefit Rider automatically
included,where approved, at no additional
premium for eligible policies. Owner can request
payment up to $250,000 but not to exceed the
lesser of the total face amount of the policy,
or 25% of the total death benefit in-force with
Reliastar Life on life policies that have the
same owner and insured |
|
Next:
ING
ReliaStar Life - TermSmart Underwriting
Guidelines
|
|
|
|
Find us on Facebook 
Find us on Google+
Follow us on Twitter
