Term Life Products

Americo

HMS CBO (Home Mortgage Series Cash Back Option)

Term: 15 Years:
-20-55 Years of Age Applicable
-Face Amount: ?
-Includes - 50% of the face amount - accidental death
-Includes - Living Benefits
          -Chronic - Critical - Terminal illness
-Access up 100% of face amount for bills

Term 20 Years:
-20-60 Years of Age Applicable
-Face Amount: $25,000-$400,000
-Includes - 50% of the face amount - accidental death
-Includes - Living Benefits
          -Chronic - Critical - Terminal illness
-Access up 100% of face amount for bills

Term 25 Years:
-20-55 Years of Age Applicable
-Face Amount: ?
-Includes - 50% of the face amount - accidental death
-Includes - Living Benefits
          -Chronic - Critical - Terminal illness
-Access up 100% of face amount for bills ​

Term 30 Years:
-20-55 Years of Age Applicable
-Face Amount: ?
-Includes - 50% of the face amount - accidental death
-Includes - Living Benefits
          -Chronic - Critical - Terminal illness
-Access up 100% of face amount for bills

CBO = Return of Premium
          Example : 25 yr term - $100 /
Mo - $100,000
          $100 x 12 months = $1,200
Annual Premium
$1,200 x 25yrs = $30,000 Tax free return of premium paid

HMS

Term 15 Years:
-20-75 Years of Age Applicable
-Face Amount: $25,000 - $400,000
-No Cash Back Option
-Includes 25% accidental rider
-Living benefits 

Term 20 Years:
-20-70 Years of Age Applicable
-Face Amount: $25,000 - $400,000
-No Cash Back Option
-Includes 25% accidental rider
-Living benefits 

Term 25 Years:
-20-65 Years of Age Applicable
-Face Amount: $25,000 - $400,000
-No Cash Back Option
-Includes 25% accidental rider
-Living benefits

Term 30 Years:
-20-65 Years of Age Applicable
-Face Amount: $25,000 - $400,000
-No Cash Back Option
-Includes 25% accidental rider
-Living benefits





Mutual Of Omaha

Term Life Express

Term 10 Years:
-18-70 Years of Age Applicable
-Face Amounts: $25,000-$300,000
          -18-50 Years of Age = Face Amount: $25,000-$300,000
          -51-60 Years of Age = Face Amount: $25,000-$250,000
          -61-70 Years of Age = Face Amount: $25,000-$150,000
-Accidental Rider if Selected
-Cash Back OR Living Benefits

Term 15 Years:
-18-70 Years of Age Applicable
-Face Amounts: $25,000-$300,000
          -18-50 Years of Age = Face Amount: $25,000-$300,000
          -51-60 Years of Age = Face Amount: $25,000-$250,000
          -61-70 Years of Age = Face Amount: $25,000-$150,000
-Accidental Rider if Selected
-Cash Back OR Living Benefits

Term 20 Years:
-18-60 Years of Age Applicable
-Face Amounts: $25,000-$300,000
          -18-50 Years of Age = Face Amount: $25,000-$300,000
          -51-60 Years of Age = Face Amount: $25,000-$250,000
-Accidental Rider if Selected
-Cash Back OR Living Benefits

Term 30 Years:
-18-50 Years of Age Applicable
-Face Amount: $25,000-$300,000
-Accidental Rider if Selected
-Cash Back ONLY (Return of Premium)

American Amicable

Home Protector

Term 15 Years:
-20-65 Years of Age Applicable
-Face Amount: $25,000-$300,000
-Cash back option - 75% of premium refunded
-Accidental rider if selected

Term 20 Years:
-20-60 Years of Age Applicable
-Face Amount: $25,000-$300,000
-Cash back option - 75% of premium refunded
-Accidental rider if selected

Term 20 Years:
-20-60 Years of Age Applicable
-Face Amount: $25,000-$300,000
-Cash back option - 75% of premium refunded
-Accidental rider if selected

Term 25 Years:
-20-55 Years of Age Applicable
-Face Amount: $25,000-$300,000
-Cash back option - 75% of premium refunded
-Accidental rider if selected ​

Term 30 Years:
-20-50 Years of Age Applicable
-Face Amount: $25,000-$300,000
-Cash back option - 75% of premium refunded
-Accidental rider if selected

John Hancock 

Vitality Program

Term 10 Year:
-20-60 Years of Age Applicable
-Face Amount: $25,000 - $500,000
-Level Term Return of premium rider (optional) - will only receive 75% of premium put in ​

Term 15 Year:
-20-60 Years of Age Applicable
-Face Amount: $25,000 - $500,000
-Level Term Return of premium rider (optional) - will only receive 75% of premium put in

​ Term 20 Year:
-20-55 Years of Age Applicable
-Face Amount: $25,000 - $500,000
-Level Term Return of premium rider (optional) - will only receive 75% of premium put in

Term 25 Year:
-20-50 Years of Age Applicable
-Face Amount: $25,000 - $500,000
-Level Term Return of premium rider (optional) - will only receive 75% of premium put in

​ Term 30 Year:
-20-45 Years of Age Applicable
-Face Amount: $25,000 - $500,000
-Level Term Return of premium rider (optional) - will only receive 75% of premium put in