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U.S. Financial
Life Insurance, the Clinical Underwriting® company, is pleased
to introduce RightTerm. This series combines the Right Price with the Right Underwriting.
RightTerm - Right
Features
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RightTerm
includes 5,10,15, 20 and 30-year level term plans guaranteed
for the full initial level period.
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The series has a $250,000 minimum
face issued age nearest.
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RightTerm is convertible to any permanent, level
premium life product which U.S. Financial issues on the date of the new policy. There is a
conversion credit available.
- RightTerm 5, 10, 15, 20, and 30 provide a re-entry privilege. At the end of the
guarantee level premium period, the insured can submit new evidence of insurability to
re-qualify for another period of level premiums.
- One policy fee is waived when two or more family or business-related policies
are applied for simultaneously.
RightTerm - Right Price
- RightTerm pricing
underscores USFL's sustainable competitive advantage in a unique
approach to tobacco use. Clinical Underwriting® features a common sense approach to occasional
cigarette smokers, recognizing that a person smoking occasionally
is at far less risk than a person smoking heavily.
- RightTerm pricing underscores U.S. Finacial Life's sustainable competitive
advantage in applying Clincial Underwriting to clients with health history.
RightTerm with the
Clinical Underwriting® advantage:
U.S. Financial Life
combines RightTerm with Clinical Underwriting® to form the
right partnership of product and underwriting. Consider these
facts:
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Fewer
companies are competing to provide for the financial protection
needs of individuals with health histories.
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U.S.
Financial Life is armed with an A+ AM Best rating.
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Clinical
Underwriting® is a well-established brand.
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Through
increased retention and higher automatic binding limits, we
are broadening your market for the Clinical Underwriting® value proposition.
RightTerm
Summary Sheet (pdf file)
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