Safe Harbor Term Express

A term life insurance policy with living benefits designed to protect the future of loved ones and plan for the unexpected.

Accelerated Benefits Riders


These three included riders give you the option to advance up to 95% of your death benefit on the exercise date in the event of serious illness

  • Rider exercise is optional
  • No waiting period applies
  • Minimum acceleration amount is $5,000
  • Death benefit is reduced by the benefit amount you choose to accelerate, however, the actual amount you receive is discounted based on your condition and life expectancy
  • Future premiums are based on your death benefit after rider exercise and must continue to be paid to keep remaining death benefit in force
  • An administrative charge of $200 per election applies
  • Diagnosis must be certified in writing by a licensed physician
  • A portion of your benefit may be taxable and you should consult your tax advisor before deciding to exercise this rider

Critical Illness Rider

Available if you are diagnosed with a specified critical illness: heart attack, stroke, cancer, kidney failure, major organ transplant, ALS

  • Multiple benefit elections available; must wait 180 days between elections

Chronic Illness Rider

Available if you are unable to perform (without substantial assistance) at least 2 of the 6 activities of daily living (LDLs) or have a severe cognitive impairment. ADLs include: bathing, continence, dressing, eating, toileting, transferring

  • Must be impaired for the past 90 days
  • Multiple benefit elections available; one per calendar year

Terminal Illness Rider

Available if you are diagnosed as terminally ill with a life expectancy of 12 months or less


Unemployment Rider

Waives 6 months worth of premium in the event you become unemployed for at least 4 weeks

  • Automatically included for issue ages 18-60
  • You must elect this rider within 90 days of qualification
  • You must be receiving state or federal unemployment benefits to qualify
  • Waiting period of 24 months from date of issue applies
  • One time election
  • Terminates at age 65 and at end of term period

Accidental Death Benefit Rider

Pays an additional lump sum death benefit upon insured's death if such death occurs by covered accident.

  • Additional premium required
  • Must be elected at issue
  • Insured must be under 65 at issue
  • Terminates at insured's age 70

More Information


We allow you to convert your term insurance based on the duration of your policy.

  • 10-Year Term: Convertible in the first 5 policy years
  • 15-Year Term: Convertible in the first 7 policy years
  • 20-Year Term: Convertible in the first 10 policy years
  • 30-Year Term: Convertible in the first 10 policy years
  • Full and partial conversions are allowed
  • Same underwriting classification as term product will apply
  • No medical evidence is required


  • Policy death benefit is generally not taxable
  • A portion of accelerated death benefit rider payments may be taxable
  • Consult a tax professional for more information


  • Policy includes a Free Look period during which policy may be viewed and returned for a full refund
  • Free Look period varies by state; but is never less than 10 days

Product Basics


  • Lump sum death benefit paid to policy beneficiary(ies)
  • Term Periods and issue ages (last birthday):
    • 10 year: Ages 18-80
    • 15 year: Ages 18-70
    • 20 year: Ages 18-65
    • 30 year: Ages 18-55 (non-tobacco)
      Ages 18-50 (tobacco)
  • Simplified issue underwriting - no Attending Physician Statement (APS) or paramedical exam required
  • Immediate underwriting decisions are available via teleunderwriting service
  • Four included riders provide living benefits in case of chronic illness, critical illness, terminal illness or unemployment
  • Optional rider for Accidental Death available for an additional premium


  • Quarterly, semi-annual or annual billing or monthly bank draft
  • Premiums do not increase during term period
  • You can continue coverage after the term period until age 100 at annually renewable rates 1
  • Policy fee = $72/year
  • Premiums dependent on frequency of billing 2 


  • Standard Non-Tobacco
  • Tobacco


  • 18-50 $25k - $400k
  • 51-60 $25k - $300k
  • 61-70 $25k - $200k
  • 71-80 $25k - $100k