Make your term coverage even stronger
with an AARP Term Rider Protect Plus
from New York Life Insurance Company
Life changes all the time. Why shouldn't your life insurance keep up? 这个术语骑士是一个伟大的方式得到额外的保护，当你最需要它.
请参阅您的个人费率报价，并选择您的附加保险金额.
添加条款附加条款可以给依赖你的人带来很大的不同.
并不总是需要重大的变化或生活事件才能使你的保险覆盖不足. Consider your current coverage amount, 还有一些你爱的人可能需要资金的东西. 你的保险范围可能太低——尤其是随着时间的推移，你的财务状况发生了变化，生活成本也在上升. 很容易理解为什么添加一个术语附加条款可能是你和你爱的人最聪明的举动.
Get up to DOUBLE your coverage ... or choose what's right for you.
你知道什么对你、你爱的人和你的预算最有效. 因此，选择对你的独特需求最有意义的添加量.
It's so easy to apply - no medical exam, just health information.
You can apply in a few minutes, all from home. Acceptance is based on your answers to a few health questions, and other information you provide or give us premission to obtain.
It's all billed right along with your current term coverage. One easy payment to manage.
To keep things easy, 增加的保费将在相同的发票或自动支付您目前支付. 附加保险费率的增加也发生在与您现有定期保险相同的5岁年龄组.
Apply nowKeep the coverage until age 80. Or exchange it for whole life and keep it as long as you live.
这种额外的群体保护是为了在你最需要的时候出现. Just pay premiums when due, 确保你的申请没有任何关于你病史的实质性虚假陈述, and keep your current term insurance in place.
Need the added coverage for longer? Exchange it for permanent life insurance at any time. Your rate will be based on your age at that time.
Get the important added coverage features you can count on.
这个附加条款包括一项生活津贴，如果你被诊断患有绝症，并且预期寿命不超过24个月，你可以获得最多一半的福利金额.1 它还为你的医生指定的某些合格的疗养院分娩提供了保险费豁免. 在医生指定的养老院连续居住180天后，您的保费将被免除.2
Apply now
Questions about Term Rider Protect Plus? See our Frequently Asked Questions for answers.
Exclusion: 如果在头两年内死于自杀，将不支付福利. 对于密苏里州和北达科他州的居民来说，只有一项是不允许自杀的 year. In Washington, specific state rules apply.
1 请注意，收到“生活福利”(加速死亡福利)保险收益可能会影响您申请公共援助项目的资格. Proceeds may be taxable. 您可能希望咨询您的财务顾问和/或律师，以确定这可能会如何影响您的个人情况. Premiums will be lower when the benefit amount decreases by one-half.
Texas Residents: 如果支付"生活津贴"(加速死亡抚恤金)，死亡抚恤金将减少. The acceleration of life insurance benefits offered under this 该证书旨在符合1986年国际税务委员会的税收优惠待遇. 如果这些福利符合税收优惠待遇，这些福利是不包括在你的 income and not subject to taxation. 建议您咨询合格的税务顾问，在何种情况下您可以获得贝博足球app的加速 benefits excludable from income under federal law. 提前领取贝博足球app福利亦会影响你及你的家人申请公共援助的资格 programs (Medicaid, AFDC, SSI, or drug assistance). 建议您咨询合格的税务顾问和社会服务机构，以确定如何接收 这些福利会影响你申请公共援助的资格. 如果保险金额减少一半，保险费将会降低.
Florida Residents: 为了防止意外取消你的贝博足球app, 你有机会将失效通知的副本发送给你指定的另一个人. 您的保险证书中将包含一份指定表格. If relevant statements of age or facts are not accurate, 贝博足球app下载将对保费及/或保险作出公平的调整. 杰森·蒙哥马利(Jason Montgomery)是一名有执照的佛罗里达州代理人，为佛罗里达州居民提供服务.
2 疗养院必须主要从事在有执照的医生的监督下提供熟练的护理. Nursing home does not include a home or 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.