SmartStart is your opportunity to provide term life insurance protection for your child or grandchild and guarantee future insurability, regardless of what happens in life. If your child or grandchild is between the ages of 14 days and 18 years, you can provide them with coverage that will continue up to age 25. There is no medical exam, simply answer a few health questions. Coverage is not guaranteed to issue and is dependent upon the answers to the health questions.
Smart Start term insurance, through our carrier 5Star Life Insurance Company, is available in two coverage amounts with a one-time payment:
$10,000 of coverage for $150
$15,000 of coverage for $225
At age 25, the insured has the option to convert to a whole life insurance policy on a guaranteed purchase basis up to five times the original face value ($50,000 for the $10,000 term policy or $75,000 for the $15,000 term policy) with no physical exam. What a great way to guarantee life insurance coverage regardless of future health considerations.
To learn more and apply today, call us at (800) 776-2322.