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Gross Annual Earned Income
If you are self-employed, income means your share (proportionate to your ownership interest) of the income or loss of the business net of all business expenses except income taxes. If you are an incorporated business owner, you may also include any wages, salary, fees or commissions which the incorporated business paid to you as an employee of the business.
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Monthly Benefit Amount
The maximum monthly benefit available is based on your Gross Annual Income:
If you have a Gross Annual Income between $8,000 and $15,999, the maximum benefit amount available to you is $500.
If you have a Gross Annual Income between $16,000 and $23,999, the maximum benefit amount available to you is $1,000.
If you have a Gross Annual Income of $24,000 or more, the maximum benefit amount available to you is $1,500.
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Term
Term insurance provides life insurance protection for the number of years you select between 10 and 40 years. At the end of the term, the policy automatically renews annually at a higher premium until you turn 100 years old at which time you no longer pay premiums but your coverage continues. The premiums are guaranteed when the policy is issued to you. At any time until age 71, you can convert your term policy to a permanent life insurance policy that is available at the time of conversion, without having to provide proof of health.
| 18 to 45 | 10 to 40 | 54 | 10 to 31 | 63 | 10 to 22 | | 46 | 10 to 39 | 55 | 10 to 30 | 64 | 10 to 21 | | 47 | 10 to 38 | 56 | 10 to 29 | 65 | 10 to 20 | | 48 | 10 to 37 | 57 | 10 to 28 | 66 | 10 to 19 | | 49 | 10 to 36 | 58 | 10 to 27 | 67 | 10 to 18 | | 50 | 10 to 35 | 59 | 10 to 26 | 68 | 10 to 17 | | 51 | 10 to 34 | 60 | 10 to 25 | 69 | 10 to 16 | | 52 | 10 to 33 | 61 | 10 to 24 | 70 | 10 to 15 | | 53 | 10 to 32 | 62 | 10 to 23 | | |
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Term 100
Term 100 life insurance provides lifetime protection for a guaranteed level premium. Once issued the premium you pay for your Term 100 policy never changes. The benefit amount is also guaranteed never to change.
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Elimination Period
The elimination period is the required number of days that an insured person must be disabled following the starting date of the disability before monthly benefits become payable.
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Insurance Information 
Tools & Calculators
