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Short Term Disability

 
 

Hospital GAP Plan®

 
 

Accident Only

 
 

Life Insurance

 

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Life Insurance

Term Life Insurance

American Fidelity's Five Year Renewable and Convertible Term policy is pure protection with no cash accumulation feature. Our 5 year term is available under a Section 125 plan, if the face amount is $50,000 or less including group life.

 

Features:

(Policy Form RCTL-99 series)

  • Economical Protection - a maximum death benefit for the premium dollar
  • Level Guaranteed Death Benefit Amount - the amount of protection stays the same throughout the policy term period
  • Guaranteed Renewable - can be renewed every five years, up to age 75, regardless of health. After age 75, the policy can be renewed annually up to age 90.
  • Non-Tobacco Discount - a discounted premium is offered for applicants ages 21-65 who have not used tobacco (or any nicotine product) within the last 12 months.
  • Convertible - can be converted to any form of permanent insurance issued by American Fidelity Assurance Company regardless of health, up to age 75.
  • Portable - with the same guaranteed rate structure
  • Optional Waiver of Premium - premiums will be waived if you become permanently disabled as defined in your policy

Additional Options:

  • Waiver of Premium
  • Accidental Death Benefit
  • Coverage for Spouse
  • Coverage for Children.

 

This information is provided for agent reference only. Do not use with a prospective client.

 

The highlighted features listed above are not applicable in FL & WA. The information contained on this product page generally highlights the important features of the particular American Fidelity product listed, and does not constitute a statement of contract, nor a complete description of the conditions, benefits, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For more complete information, please consult the terms of the product policy form approved in your state or contact us.

E-SB-227

 

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