Details of our Term Life Insurance Policies Include:

• INSURANCE TYPE: Individual Term
• DURATION: 10, 15, 20, and 30 year terms
• PREMIUMS: Guaranteed for the entire initial term
• ISSUE AGES:    

• MINIMUM FACE AMOUNT: $100,000
• MAXIMUM FACE AMOUNT: $250,000¹
• SAME DAY COVERAGE: Once you get your free quote, answer a few health questions and are accepted for coverage, your term life insurance will become effective the same day. This convenient approach not only leaves you with immediate satisfaction but also immediate protection for your family.
• RENEWAL PROVISION: If the Policy is in force at the end of the initial term period, it may be renewed for additional one (1) year term periods through the policy anniversary on or after the policyholder’s 95th birthday. If renewed, premiums will increase annually at the end of the guaranteed term.
• PAYMENT MODES: EFT or credit card (Visa, Discover, American Express, and MasterCard)
• PAYMENT FREQUENCY: Annually or monthly
• INSURED: Must be an individual, no entities.
• OWNER: Must be the insured. 
• BENEFICIARY: Spouse, children, siblings, parents, grandchildren, grandparents, nephews, nieces, trusts, estates or other.
• UNDERWRITING QUESTIONS: Affordable term life insurance without a medical exam! A few simple yes/no questions will be asked about your health to see if you qualify.
• FREE LOOK PERIOD: Once your policy is issued, you have a full 31 days to review the policy. If for any reason at all during the free look period you decide against having this coverage in place, you may return the policy and receive a full refund, no questions asked.
• SIGNATURES: Application requires only a convenient electronic signature.  
• ACCIDENTAL DEATH BENEFIT BENEFIT²: This rider provides the opportunity for twice the policy's benefit should you die as a result of an accident. Some limitations and exclusions apply. The addition of this Rider will cost only pennies more per day, so you may want to consider adding on to your term life insurance coverage.  
• CHILD RIDER²: If you have children, you may want to consider enrolling them in the Optional Children’s Insurance Rider. This Optional Rider pays a benefit of $5,000 and these benefits, as well as the premium amount, are guaranteed for the life of the term (up to the insured child’s 25th birthday; some limitations and exclusions apply). You can enroll for this surprisingly affordable coverage during your application process. This coverage is available if your child is 0 through 18 years of age, and the primary insured is 18 through 55 years of age on a 10 or 15 year term and 18 through 50 years of age on a 20 year term.


1. $200,000 in ME and MN.

2. Riders/benefits will require an additional charge. Riders/benefits contain limitations and exclusions, and they may not be available in all states. State variations will apply. Contact an agent for details.

Policy issued by Liberty Life Insurance Company on policy form series ST2(04-04) in most states. In Idaho ST2(04-04), T-AD(01-03) and T-CR(01-03); in Texas ST2(04-04), T-AD(01-03) and T-CR(01-03). This policy and its benefits and riders contain limitations and exclusions. Contact an agent for details. Product/features and riders/benefits not available in all states. Suicide while sane or insane is not covered during the first two policy years; instead, premiums paid will be returned (subject to state variations). Two year contestability period (one year in CO and ND). In Missouri, suicide within two years does not prevent payment of benefits unless suicide was intended at time of application. The underwriting risks, financial and contractual obligations and support functions associated with products issued by Liberty Life Insurance Company are its responsibility. The policy is not available in the state of New York.

LT0120 (6-10)