Rapid Decision Term is a level death benefit term life insurance product to age 95. Guaranteed level premium periods of 5, 10, 15, 20 and 30 years are available. After the level premium period, rates increase each year through age 94. The policy is convertible during the first 10 policy years or to age 65, whichever comes first.

Rapid Decision Term features our rapid decision underwriting process which utilizes the Internet and the active involvement of our underwriters. Our application, approval and delivery processes have been streamlined to allow underwriting decisions to be made in days, instead of the standard time frame of several months.

Our Rapid Decision Term product also features a number of valuable riders such as Accelerated Death Benefit which is included with the policy and optional riders such as Return of Premium, Waiver of Premium, Dependent Child, and Accidental Death.