ALB Insurance Marketing > Product Comparison > Competitive Term Comparison

Competitive Term Comparison

Competitive Term	Genworth	West Coast Life	AIG	United of Omaha
	SureTerm	Focus Term	Ultra LTG	Term Life
Age Limits	Check for individual state age limit requirements	Check on each product for issue ages	20 - 80 check each term period for issue age	10 yr 18-75 (In WA, 18-70) 15 yr 18-70 (In WA, 18-65) 20 yr 18-60 30 yr 18-50
Age Type	Nearest Birthday	Nearest Birthday	Nearest Birthday	Age at last birthday
Guarantees	Fully guaranteed	Fully guaranteed	Fully guranteed	Fully guaranteed
Non-Med Limits	None	None	None	Ages 18-55 w/face amounts $50K-$99,999
Automatic APS	60+, 50-59 $1M+, 0-49 $2M+	60+, 50-60 $500K+, 1-49 w/recent doctor visit	No published APS guidelines	No published APS guidelines
Commissions	Daily, weekly	Weekly - EFT only	Weekly	Weekly
Rating	A+	A+	A++	A+
Accelerated Death Benefit/Critical Illness	Yes	Yes	Yes	Yes
Face Amount	Bands $50K - $99K (1) $100K - $249K (2) $250K - $999,999 (3) $1M+ (4)	Bands $100K - $249,999 (1) $250K - $999,999 (2) $1M + (3)	Bands $250K - $999,999 (1) $1M+ (2)	Term 10 and 15 $100K-$249,999 $250K- $499,999 $500K-$999,999 $1M and above Term 20 and 30 $50K-$99,999 $100K-$249,999 $250K- $499,999 $500K-$999,999 $1M and above
Optional Riders	Child rider Accelerated Waiver of Premium	Accidental death rider Waiver of premium Children's rider ($20K max)	Accidental death rider Terminal illness Waiver of premium Disability income rider Child rider	Accelerated Benefit Rider (no cost) Other Insured Rider Waiver of Premium Accidental Death Benefit Rider Children’s Rider
EKG	40-44 - $1M+ 60+ - Every time 45-59 - $300K+	15-40 - $1M+ 51-60 - $250,001+ 41-50 - $750K+ 66+ - All	40-44 - $500K+ 50+ - $250K+ 45-50 - $500K+	36-45 $1,000,001+ 46-55 $750,001+ 56-60 $500K+ 61+ $250K+
Special features	Very competitve rates at older ages & under $250K Non-smoker rates w/occasional (1/mo) cigar use Liberal cholestrol underwriting for preferred rates Convertible for life of contract or up to age 75	Preferred tobacco rates avilable after one year 30-year term up to 56 for female 15-year tem up to 77 for M/F Liberal height/weight guildeline for table written bus Only convertible for 20 years or life of tem up to age 75	Competitive term with DI rider High commissions on 20 and 30 year terms Standard rates generally are not competitive Convertible for lenth of term or 75 Competitive for table written cases Can get preferred + rate with cigar use	Extremely competitive rates when policy term ends at or around age 65, e.g., Term Life 20 is #1 at ages 40-50; Term Life 15 is #1 at ages 45-55, etc. Standard Plus NT available after 12 months Private Pilot w/IFR (Inst. Flight Rating) elig. For Std. Plus. Conversion depends on term of product Competitive Height/Weight Guidelines