Assurity Life Insurance Company

 

 

Assurity Life provides us with, in our opinion,  several of the top products in the industry, including their Non-Med Term350, which provides a 'non-medical' underwriting up to 350,000, as well as Critical Illness and Disability Income plans that are the envy of the industry.  In fact, any one of these three fine products would be enough in itself to warrant appointing with Assurity!

 

 

 

The following information listed for Assurity is specific to South Carolina. If you would like this information for other states, please contact Hillary Hatcher.

For contracting questions, please contact Hillary Hatcher.

 

Term Life
 

 

Protection you can count on...

Term 350+ highlights

 

  • 10, 15, 20, or 30 year term policies
  • Issue amounts - $350,001 and over ; $100,001 and over ages 66 to 74
  • Premium is level and guaranteed for the initial term period of 10, 15, 20, or 30 years based on the insured's age last birthday, gender and
    tobacco use
  • Optional benefits and riders - Disability Waiver of Premium, Other insured Term Insurane benefit, Monthly Disability Income Rider, Accident Only Disability Income Benefit Rider, Children's Term Insurance Rider, Critical Illness, ROP

 

 

 

 

 

 

 

Accident-only term life insurance

AcciFlex highlights

  • Issue ages 15 to 60
  • Issue amounts - $50,000 to $250,000
  • Riders - Accident Only Disability Income Rider, Waiver of Premium, ROP
 

 

NonMed Term 350 utilizes a streamlined underwriting process that eliminates examinations and tests so you can receive an underwriting decision in as little as a few days. After initial underwriting, some applicants may be required to answer additional questions to determine insurability.

 

Easy, fast, affordable!

Non-med Term 350 specs

  • 10, 15, 20, or 30 year term policies
  • Issue amounts $50,000 to $350,000
  • Premium is level and guaranteed for the initial term period of 10, 15, 20, or 30 years based on the insured's age last birthday, gender and tobacco use
  • Optional benefits and riders - Disability Waiver of Premium Benefit Rider, Other Insured Term Insurance Benefit Rider, Monthly Disability Income Rider, Accident Only Disability Income Benefit Rider, Children's Term, Critical Illness

 

Information taken from product guide. See product guide for details and more information

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Whole Life

 

Simplified Whole Life

Level highlights

  • Issue ages 0 to 80
  • Issue limits - $10,000 to $50,000 ages 0 to 19 ; $5,000 to $50,000 ages 20 to 65 ; $5,000 to $25,000 ages 66 to 80

 

Graded highlights

  • Issue ages 40 to 80
  • Issue classes - $5,000 to $35,000 ages 40 to 65 ; $5,000 to $25,000 ages 66 to 80

 

Modified highlights

  • Issue ages 40 to 80
  • Issue class $5,000 to $25,000

 

 

The information listed above is specific to South Carolina. For state specific infomration in other states, please contact Hillary Hatcher.
 

Underwritten Whole Life

Quick facts

  • Issue ages 0 to 85
  • Bands - $10,000 to $99,999 ; $100,000 to $249,999 ; $250,000+
  • Optional Benefits and Riders - Accident Only Disability Income, Accidental Death, Children's Term, Critical Illness, Disability Waiver of Premium, Level Term, Monthly Disability Income, Payor Benefit Rider, Value Enhancement Rider

 
 

Single Premium Whole Life

Highlights

  • Issue ages - NT 0 to 80 ; T 16 to 80
  • Minimum face amount - $10,000 for ages 0 to 54 ; $5,000 for ages 55 and older
  • Automatic riders where approved are Terminal Illness & LTC/Home Care
  • All apps submitted as non-medical

 

 

 

 

 

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Information taken from product guide. See product guide for details and more information

 

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Universal Life

 

 

 

 

Building resources for your future...

Premier & select specs

  • Issue ages 0 to 85
  • Preferred Class - Preferred Plus Non-Tobacco, Preferred Non-Tobacco and Preferred Tobacco available for issue ages 16 through 75. Minimum face amounts at $50,000 and for ages 16 through 54 and $25,000 for issue ages 55+.
  • Standard Classes – Select Non-Tobacco available for ages 0 through 85 with Standard Tobacco available for issue ages 16 through 85. Minimum face amounts at $50,000 and for ages 0 through 54 and $25,000 for issue ages 55+.
  • Substandard Classes – Through Table 16 (500 percent); Select Non-Tobacco and Standard Tobacco only. Minimum face amounts at $50,000 for ages 0 through 54 and $25,000 for issue ages 55+.
  • Juveniles – Select Non-Tobacco available for issue ages 0 through 15 and minimum face amounts at $50,000.

 

 

 

 

Information taken from product guide. See product guide for details and more information

 

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Critical Illness

 

Simplified specs

  • Issue ages 18 to 59
  • Minimum / maximum benefit amounts - $5,000 to $50,000
  • Multiple Benefits – up to triple the benefit amount – are paid if the insured suffers illnesses from each of the three categories.
  • Return of Premium Death Benefit – a feature built in the base policy with no extra charge! Returns 100 percent of premiums, less any benefits paid, if insured dies of any cause.
  • No Waiting Period - policy is effective on date of issue for all covered illnesses except for cancer which has a reduced benefit for the first 90 days.
  • Stroke – covered after only 96 hours of impairment. Most competitors require neurological deficit to last 30 days

 

 

 

  
  • Level protection – to age 75, no reduction in benefits
  • Major Organ Transplant – benefit payable as soon as registered with UNOS – does not have to undergo transplant before receiving benefits
  • Advanced Alzheimer’s coverage – when insured is unable to perform three ADL
  • Benefit for Cancer in situ – pays 25 percent of benefit, reduced benefit during the first 90 days
  • Angioplasty coverage – pays 10 percent of benefit
  • Simplified Underwriting – easy to understand
 

 

 

Underwritten specs

  • Issue ages 18 to 64
  • Minimum / maximum issue amounts - $50,000 to $500,000
  • Multiple Benefits – up to triple the benefit amount – are paid if the insured suffers illnesses from each of the three categories.
  • Return of Premium Death Benefit – a feature in the base policy with no extra charge!
  • Returns 100 percent of premiums less any benefits paid if insured dies of any cause
  
  • No Waiting Period – policy is effective on date of issue for all covered illnesses except cancer, which has a reduced benefit for the first 90 days.
  • Stroke – covered after only 96 hours of impairment, most competitors require neurological deficit to last 30 days
  • Guaranteed Renewable for life
  • Major Organ Transplant – benefit payable as soon as registered with UNOS – do not have to undergo transplant before receiving benefits
  • 21 Covered Conditions – including aortic surgery, Lou Gehrig’s Disease (ALS), and occupational HIV infection
  • Benefit for Cancer in situ – pays 25 percent of benefit after first 90 days, reduced benefit during the first 90 days
  • Angioplasty and Heart Bypass Coverage – pays 25 percent of benefit

 

** Rates apply ONLY to the following states: AR, GA, ID, ME, NC, ND, OK, PA, UT, and WV. Please refer to Base Sample Rates 1 for all other states.

 

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Disability Income

 

Brochure
Highlights
Product Guide
Base Sample Rates 1
Application

 

Brochure
Highlights
Product Guide
Underwriting Guidelines
Base & SDIR Premium Table
Build Chart
CI Rider
Rider Rates
Occupational Guide
Calculation Worksheet
Sample Application
Application

 

Brochure
Highlights
Product Guide
Premium Table
Synopsis Form
Sample Appplication
Application
 

 

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