5 Reasons to Sell National Life Term Policies

For many clients, term life insurance is a good, affordable way to protect their families. Here are a few reasons why they may want to consider buying a term policy from National Life Group:

1. Living Benefits

• National Life Group is one of the few companies offering a full suite of Living Benefits with term life insurance — at no extra cost¹.

2. EZ Underwriting

• If certain criteria are met, clients may not need to take medical or exams or do fluid tests — up to $2 million dollars of coverage.
• EZ Underwriting is available for all rate classes.

3. Conversion Privileges

• Clients with a term life insurance policy can choose to convert to any of our permanent life insurance products. It is not common to have a full suite of permanent products to choose from when converting a term life insurance policy.
• Clients can convert without providing proof of insurability.

4. Waiver of Premiums 

• If clients have a term life policy with a Waiver of Premium rider and become disabled, they can elect to have premiums waived. This remains an option if they choose to convert their term life insurance policy to a permanent life insurance policy.

5. Group Insurance 

• Most group insurance offers standard and a smoking rate class. National Life Group provides a wider range of options (including elite rate class), and determines rates based on your clients’ health.
• Clients enjoy portability, which means they can take their insurance policy with them if they were to change jobs.
• National Life Group term policies come with Living Benefits, which is not usually the case when buying group insurance.

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1. Use of the accelerated benefit riders will reduce the death benefit and may result in a taxable event. Riders are optional, may be available at additional cost, and may not be available in all states.