term life insurance contractual endorsement policy provisions

term life insurance you can afford, and we're not pushy!

^{888.587.8511

FAQs I

Customer Comments I

Agent Brokerage}^{Term Life Insurance Quotes By Top Rated Companies}

Term Life Insurance Definitions helps to become more knowledgeable of term life insurance and permanent life insurance.

Term Life Insurance what it is, how does it work- Instant Quotes, traditional - return of premium - no exam

Toll Free
888.587.8511 Mon.-Fri. 9-5 ET

Policy Service Phone Numbers

Top Rated Term Life Insurance Companies

See which company is most suitable for your needs

American General
Banner
First Colony
Genworth
ING
Jefferson-Pilot
Lincoln Benefit
Lincoln National
North American
Protective
RBC - Liberty Life
SBLI
Security Mutual
Transamerica
Union Central
U.S. Financial
West Coast
William Penn
More

Health Insurance Quotes!

Disability Insurance Quotes!

Long Term Care!

Life Insurance Guide

Business Life Insurance

Applications Underwriting Term Life Insurance Polices

Paramedical Exam For Your Policy

Beneficiary Designation

Return of Premium Term Life Insurance From: AIG Chase Fidelity & Guaranty Genworth

Estate Planning Info You Can Use

Life Insurance

Life Insurance is for the Living

License #'s: for Lewis Fink

Links

Find us on Facebook

Find us on Google+

Follow us on Twitter

Term Life Insurance by Top Rated Companies
More term companies equals the best opportunity to obtain the lowest term quote!

Your browser does not support inline frames or is currently configured not to display inline frames.

Final Expense Life Insurance Quotes

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.

TERM LIFE INSURANCE ENDORSEMENT POLICY PROVISIONS

What are the contractual provisions of a term life insurance policy contract?

These term life insurance contractual endorsement policy provisions are general in nature and may differ by insurance company and/or by policy filing. Insurers usually direct underwriters to modify standard forms by attaching endorsements preapproved by counsel for various common modifications. In this case the endorsement speaks to a policy premium modification.

ENDORSEMENT

The first paragraph under the Premiums section of the Table of Term Life Insurance Premiums and Amounts of Insurance is hereby replaced with the following:

"The Annual Premium is the premium that is required in full, at the beginning of the policy year. Available Non-Annual premium payment modes are: Semi-Annual, Quarterly and Monthly. The Annual Premium is multiplied by the applicable modal factor from the Modal Factors Table to determine each Non-Annual modal premium which will be due on the frequency for the particular mode chosen. The total yearly premiums on a Non-Annual mode can be calculated by multiplying the Non-Annual modal premium by the number of times it is due during a policy year (e.g. 4 for the Quarterly mode). The total yearly Non-Annual premiums will exceed the Annual Premium shown in this Table. The Maximum Annual Premium applies only to the maximum total premium that is payable at the beginning of the policy year under the annual mode and does not apply to premiums paid on a non-annual mode. The total yearly Maximum Non-Annual premiums will exceed the Maximum Annual Premium shown in the Table. This information, as well as the yearly dollar difference between the various Non-Annual modes and the Annual Premium, can be obtained from the Company upon request."

This concludes the term life insurance endorsement policy provisions section of the provisions of a term life insurance policy contract.

Related:

general contractual policy definitions

general contractual policy provisions

contractual policy premium provisions

contractual policy renewal, conversion, and exchange provisions

contractual non-forfeiture policy provisions

contractual policy loan provisions

contractual endorsement policy provisions

contractual settlement payment options policy provisions

Get term life quotes from TermLifeAmerica.com-
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 - NC, Term 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.

<Return To Previous Page>