Express Issue Term 203 is a level death benefit term plan with an initial level premium guarantee period of 20 years. At the end of 20 years, premiums increase on an annual basis. Express Issue Term 20 is available with four additional riders: Total And Permanent Disability Benefit (Waiver of Premium), Accidental Death Benefit Rider, Child Rider4, and a no‑cost Terminal Illness Accelerated Benefit Rider.

Express Issue Term 303 is a level death benefit term plan with an initial level premium guarantee period of 30 years. At the end of 30 years, premiums increase on an annual basis. Express Issue Term 30 is available with four additional riders: Total And Permanent Disability Benefit (Waiver of Premium), Accidental Death Benefit Rider, Child Rider4, and a no‑cost Terminal Illness Accelerated Benefit Rider.

Premier 203 is a level death benefit term product with an initial level premium guarantee period of 20 years and includes a Return-Of-Premium feature. At the end of 20 years, premiums increase on an annual basis. This term plan builds up a guaranteed cash value that can be used to “return” to you the total annual premiums paid through the end of the initial term period.5 Premier 20 is available with two additional riders: Child Rider4 and a no-cost Terminal Illness Accelerated Benefit Rider.  Term products from UHL/UFFL provide protection for every stage of your life, whether you’re newly married, buying a home, or starting a family. Term insurance offers coverage for your loved ones in a budget-conscious way. And, it can also be a valuable addition to your existing insurance portfolio to help cover a specific, finite need such as mortgage protection or to supplement group coverage offered by an employer.



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Assurity Term Life® with Accelerated Underwriting is an affordable product that provides a less invasive, streamlined approach for faster application approval.


Level Term Periods: 10, 15, 20, and 30 years

Issue Ages:

  • Age last birthday, based on level term period:
  • 10-year level premium period, 18 through 75
  • 15-year level premium period, 18 through 70
  • 20-year level premium period, 18 through 65
  • 30-year level premium period, 18 through 55 (Non-Tobacco);
  • 18 through 50 (Tobacco)


Face Amounts:
$25,000 to $10 million

Underwriting Classes:

  • Preferred Plus Non-Tobacco
  • Preferred Non-Tobacco, Preferred Tobacco,
  • Standard Non-Tobacco, Standard Tobacco
  • Additional underwriting required for over $500,000, ages 18-50 and over $350,000, ages 51-65


Rate Structure:
Premiums are level and guaranteed for the initial term period of 10, 15, 20 or 30 years with an attained age scale, thereafter; based on insured’s gender, underwriting class, age and benefit amount.

Renewability:
Guaranteed to age 95


​State Availability:  All States except New York




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  • Terms - 10,15,20, 30 years
  • ​Face Amounts - $100,000 +
  • Competitive premiums
  • Level and guaranteed premiums for the full term
  • Age-at-last-birthday advantage
  • Great convertibility option​​

Term Life Products​:

Currently Recruiting Agencies and Agents to sell Term Life Insurance - Outstanding Commissions !

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