Adding a term rider can make a big difference for the people who depend on you.
It doesn't always take major changes or life events to make your coverage fall short. 考虑你目前的保险金额, and some of the things for which your loved ones may need funds for. Your coverage could be too low — especially with any changes in your finances and the cost of living going up over time. It's easy to see why adding a term rider might be the smartest move for you and your loved ones.
让你的保险加倍 ... 或者选择适合你的方式.
You know what works best for you, your loved ones, and your budget. So choose the added amount that makes the most sense for your unique needs.
你可以在几分钟内申请，一切都在家里. 接受与否取决于你对几个健康问题的回答, 以及您提供或授权贝博足球app获取的其他信息.
让事情变得简单, the added premium will be billed right on the same invoice or automatic payment you currently pay. Rate increases for the rider also occur at the same five-一年 age bands as your existing term coverage.马上申请
This added group protection is designed to be there when you're likely to need it most. 到期时就付保险费, make sure your application doesn't have any material misrepresentations about your medical history, 保持你现有的定期保险.
需要更长的时间来增加保险? 随时可以换成永久贝博足球app. 您的费用将根据您当时的年龄计算.
This rider includes a living benefit that lets you get up to half your benefit amount if diagnosed with a terminal illness and given a life expectancy of 24 months or less.1 And it provides a waiver of premium for certain qualified nursing home confinements ordered by your doctor. Your premiums will be waived after 180 consecutive days of a doctor-ordered nursing home stay.2
排除: If death results from suicide within the first two 一年s, benefits will not be paid. For Missouri and North Dakota residents, the suicide exclusion applies for one 一年. 在华盛顿，具体的州规定适用.
1 Please note that receipt of “living benefit” (accelerated death benefit) insurance proceeds may affect your eligibility for public assistance programs. 收益可能 应纳税的. You may wish to consult your financial adviser and/or attorney to determine how this may affect your personal situation. 保费将会较低时受益 数量减少一半.
德州居民: : Death benefits will be reduced if a “living benefit” (accelerated death benefit) is paid. 加速提供的贝博足球app福利下 certificate is intended to qualify for favorable tax treatment under the IRC of 1986. If these benefits qualify for favorable tax treatment, the benefits are excludable from your 不纳税的收入. You are advised to consult with a qualified tax advisor about circumstances under which you could receive acceleration of life insurance 根据联邦法律从收入中排除的福利. Receipt of acceleration of life insurance benefits could also affect you and your family’s eligibility for public assistance 项目(医疗补助、AFDC、SSI或药物援助). You are advised to consult with a qualified tax advisor and with social service agencies to determine how receipt of these benefits will affect your eligibility for public assistance. 保费将会较低时受益 amount deceases by one-half.
佛罗里达州居民: In order to protect against the unintended cancellation of your life insurance coverage, you have the opportunity to have copies of lapse notices sent to another individual whom you designate. A designation form for this will be included with your Certificate of Insurance. 有关年龄或事实的陈述不准确, 贝博足球app下载 will make a fair adjustment of premiums and/or insurance. Jason Montgomery is a licensed Florida agent for service to Florida residents.
2 The nursing home must be primarily engaged in providing skilled nursing care under the supervision of a licensed physician. 疗养院不包括家或 facility used primarily for rest; for the care of drug addicts or alcoholics; for the care and treatment of mental diseases or disorders; or for custodial care.