Our Plans
Choose from carrier-filed, state-approved term life products. Select a plan to get your personalized quote.
OPTerm 20 — Preferred
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 20–75
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
OPTerm — Standard (Simplified Issue)
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $1,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–65
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
OPTerm 20 — Preferred
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 20–75
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
OPTerm — Standard (Simplified Issue)
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $1,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–65
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
OPTerm 20 — Preferred
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 20–75
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
OPTerm — Standard (Simplified Issue)
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $1,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–65
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
OPTerm 20 — Preferred
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 20–75
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
OPTerm — Standard (Simplified Issue)
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $1,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–65
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
OPTerm 20 — Preferred
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 20–75
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
OPTerm — Standard (Simplified Issue)
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $1,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–65
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
OPTerm 20 — Preferred
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 20–75
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
OPTerm — Standard (Simplified Issue)
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $1,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–65
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
ProClassic II Term
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $50,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Accelerated underwriting
- No exam required
Classic Choice Term
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $10,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–75
- Level premiums
- Convertible
- Renewable
- No exam required
ProClassic II Term
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $50,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Accelerated underwriting
- No exam required
Classic Choice Term
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $10,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–75
- Level premiums
- Convertible
- Renewable
- No exam required
ProClassic II Term
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $50,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Accelerated underwriting
- No exam required
Classic Choice Term
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $10,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–75
- Level premiums
- Convertible
- Renewable
- No exam required
ProClassic II Term
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $50,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Accelerated underwriting
- No exam required
Classic Choice Term
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $10,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–75
- Level premiums
- Convertible
- Renewable
- No exam required
ProClassic II Term
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $50,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Accelerated underwriting
- No exam required
Classic Choice Term
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $10,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–75
- Level premiums
- Convertible
- Renewable
- No exam required
ProClassic II Term
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $50,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Accelerated underwriting
- No exam required
Classic Choice Term
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $10,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–75
- Level premiums
- Convertible
- Renewable
- No exam required
PacificTerm Choice 20
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $65,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
PacificTerm Choice 20
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $65,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
PacificTerm Choice 20
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $65,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
PacificTerm Choice 20
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $65,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
PacificTerm Choice 20
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $65,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
PacificTerm Choice 20
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $65,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
Trendsetter Super — Fully Underwritten
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
Trendsetter LB — Living Benefits
Custom Quote
Rates vary by age, gender & health class
- Coverage $25,000 – $2,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–80
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
Trendsetter Super — Fully Underwritten
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
Trendsetter LB — Living Benefits
Custom Quote
Rates vary by age, gender & health class
- Coverage $25,000 – $2,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–80
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
Trendsetter Super — Fully Underwritten
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
Trendsetter LB — Living Benefits
Custom Quote
Rates vary by age, gender & health class
- Coverage $25,000 – $2,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–80
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
Trendsetter Super — Fully Underwritten
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
Trendsetter LB — Living Benefits
Custom Quote
Rates vary by age, gender & health class
- Coverage $25,000 – $2,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–80
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
Trendsetter Super — Fully Underwritten
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
Trendsetter LB — Living Benefits
Custom Quote
Rates vary by age, gender & health class
- Coverage $25,000 – $2,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–80
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
Trendsetter Super — Fully Underwritten
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
Trendsetter LB — Living Benefits
Custom Quote
Rates vary by age, gender & health class
- Coverage $25,000 – $2,000,000
- 10-year, 20-year, 30-year terms
- Ages 18–80
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
SimpleTerm — No Exam
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $500,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–60
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
SimpleTerm — No Exam
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $500,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–60
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
SimpleTerm — No Exam
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $500,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–60
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
SimpleTerm — No Exam
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $500,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–60
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
SimpleTerm — No Exam
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $500,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–60
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
SimpleTerm — No Exam
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $500,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–60
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
ADDvantage Term with ADB Rider
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
Flex Term (Simplified Issue)
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $1,500,000
- 10-year, 20-year, 30-year terms
- Ages 18–70
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
ADDvantage Term with ADB Rider
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
Flex Term (Simplified Issue)
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $1,500,000
- 10-year, 20-year, 30-year terms
- Ages 18–70
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
ADDvantage Term with ADB Rider
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
Flex Term (Simplified Issue)
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $1,500,000
- 10-year, 20-year, 30-year terms
- Ages 18–70
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
ADDvantage Term with ADB Rider
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
Flex Term (Simplified Issue)
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $1,500,000
- 10-year, 20-year, 30-year terms
- Ages 18–70
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
ADDvantage Term with ADB Rider
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
Flex Term (Simplified Issue)
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $1,500,000
- 10-year, 20-year, 30-year terms
- Ages 18–70
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required
ADDvantage Term with ADB Rider
Custom Quote
Rates vary by age, gender & health class
- Coverage $100,000 – $10,000,000
- 10-year, 15-year, 20-year, 25-year, 30-year terms
- Ages 18–70
- Level premiums
- Convertible
- Renewable
- Accelerated underwriting
- No exam required
Flex Term (Simplified Issue)
Custom Quote
Rates vary by age, gender & health class
- Coverage $50,000 – $1,500,000
- 10-year, 20-year, 30-year terms
- Ages 18–70
- Level premiums
- Renewable
- Accelerated underwriting
- No exam required