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William Penn - Term Product Features

 
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.


William Penn Life Insurance Company of New York’s term products:


OPTerm 10™ Is renewable and convertible term life insurance to age 95 with a guaranteed level premium for 10 years. Premiums increase annually in years 11 and later. The policy owner can apply for a new 10-year level premium by submitting evidence of insurability.

OPTerm15™ Is renewable and convertible term life insurance to age 95 with a guaranteed level premium for 15 years. Premiums increase annually in years 16 and later. The policy owner can apply for a new 15-year level premium by submitting evidence of insurability.

OPTerm 20™ Is renewable and convertible term life insurance to age 95 with a guaranteed level premium for 20 years. Premiums increase annually in years 21 and later. The policy owner can apply for a new 20-year level premium by submitting evidence of insurability.

OPTerm 30™ Is renewable and convertible term life insurance to age 95 with a guaranteed level premium for 30 years. Premiums increase annually in years 31 and later. The policy owner can apply for a new 30-year level premium by submitting evidence of insurability.

OPTerm Policy Disclosure


OPTerm Policy Disclosure OPTerm policy form #T-RC-IP/97. Available only in NY. Policy descriptions provided here are not a statement of contract.

OPTerm 10 issue ages are 20-80. OPTerm 15 issue ages are 20-75. OPTerm 20 issue ages are 20-70 for non-tobacco classes and 20-65 for tobacco classes. OPTerm 30 issue ages are 20-55 for non-tobacco classes and 20-50 for tobacco classes.

Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$999,999, or $1,000,000 and above.

There is an annual policy fee of $65.

Premiums are guaranteed to stay level for 10, 15, 20 or 30 years, respectively, and increase annually after initial guarantee period. OPTerm policies can be issued in preferred plus non-tobacco, preferred non-tobacco, standard plus non-tobacco, standard non-tobacco, preferred tobacco and standard tobacco classes.

OPTerm 10, 15, 20 and 30 substandard policies can be issued through Table 12, subject to underwriting discretion. Coverage can be renewed to age 95. Policies can be returned without obligation within 30 days of receipt. 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"

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William Penn -  "Term Life"


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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.



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