Life Insurance Coverage Portfolio
Term Life Insurance
Pure financial protection for 10, 15, 20, 25, or 30 years with guaranteed level death benefits and zero rate increases.
Regulated Rates from $18/mo
Licensed Counselor Included
Zero Brokerage Markups
Guaranteed Rate Lock
Starting at $18/mo
Or call toll-free: 1-800-555-OPTAVISE
Core Coverage Benefits & Protections
Guaranteed level premiums locked for your entire term period
Income tax-free lump-sum payout delivered directly to your beneficiaries
No medical exam options available for qualified applicants up to $1,000,000
Convertible to permanent whole life insurance without health re-evaluation
Living benefits included for terminal illness and chronic condition diagnosis
Structured Plan Comparison Options
| Plan Level | Coverage Target | Living Benefits | Underwriting | Action |
|---|---|---|---|---|
| Standard SelectPure Protection | $100,000 – $250,000 | Terminal Illness | 24–48 Hr Simplified | |
| Preferred PlusMost Popular | $250,000 – $750,000 | Chronic & Disability Waiver | Instant Accelerated E-Sign | |
| Premier LifetimeMaximum Wealth Defense | $750,000 – $2,000,000+ | All Living Benefits + AD&D | Counselor Guided |
Available Policy Riders & Living Add-Ons
Accelerated Death Benefit Rider (Living Benefits)
Waiver of Premium for Involuntary Disability
Child Term Protection Rider
Accidental Death & Dismemberment (AD&D) Booster
Instant Term Life Insurance Rate Check
Calculate regulated benchmark rates for your age.
Assigned Specialist
Sarah Jenkins
Senior Benefits Counselor
“Have questions on medical underwriting, pre-existing conditions, or state rate locks? I'm available for a free consultation.”