What Does Safe Harbor Do?
Safe Harbor Term is more than protection for the catastrophe of death...it is here for you to weather the storms of LIFE.
Safe Harbor Term was built to be highly competitive term life insurance product that actually provides MORE than just a death benefit. It provides some of the best living benefits in the industry with Critical, Chronic, and Terminal Illness accelerated riders built in to the product for no additional premium to your client! If providing top living benefits wasn't enough, Safe Harbor Term utilizes the most efficient underwriting process helping clients get a quicker turnaround without having to submit to a stranger for blood and urine samples. Safe Harbor built the product AND the process!
Get the most out of LIFE
Does Your Term Do This?
Safe Harbor has 2 products. 
Safe Harbor Term
Safe Harbor Term
The average top level commission for a Term Insurance agent is 80% of the first year premium. 
Safe Harbor Term is a BUNDLED product 
Benefits if diagnosed with Critical Illness
Accelerate up to 95% of the death benefit if the client is diagnosed with a heart attack, stroke, cancer, renal failure, major organ transplant or ALS. 1, 2
Critical Illness Benefit
Benefits if diagnosed with Chronic Illness
Accelerate up to 95% of your death benefit early if you are certified by a Physician as being unable to perform at least two Activities of Daily Living (bathing, continence, dressing, eating, toileting, transferring) or if you require substantial supervision due to severe cognitive impairment. 1, 2
Chronic Illness Benefit
Benefits if due to Terminal Illness
Accelerate up to 95% of your death benefit if you are diagnosed as terminally ill with a life expectancy of one year or less.
Terminal Illness Benefit
Benefits for 6 months due to involuntary job loss...
Waives 6 months worth of premium in the event you become unemployed for at least 4 weeks. This rider is automatically included for issue ages 18-60! 3
Unemployment Rider