U.S. Life Term Life Insurance Products
LTG Ultra NY 10,15,20 and 30
The LTG Ultra NY 10, 15, 20 and 30 are level death benefit term plans with coverage to age 90 (age 80 NY - Nonbusiness), with a level premium for the first 10, 15, 20 and 30 years. Premiums are guaranteed for the 10, 15, 20, or 30 years following issue.1 At the end of the guarantee period, the policy may be continued on an annually renewable basis, without evidence of insurability, until the insured’s age 90 (age 80 NY - Nonbusiness) under the policy’s Renewal Option. The policy may be converted to a permanent plan of insurance prior to the insured’s age 75 or the guaranteed level premium period, which ever occurs first. Policy Form Number: RTG2001E
ROPTerm NY Series 15 and 20
The ROPTerm NY Series features level death benefit term plans with fully guaranteed level premiums for the first 15 or 20 years, with coverage expiring at age 80.1 The cumulative premiums paid on the policy during the level term period (15 or 20 years) will be paid to the client at the end of the level term period if the policy is then in force.2 The ROPTerm NY policies may be converted to a permanent life insurance plan. The conversion period for the ROPTerm NY extends to the earlier of (1) the end of the current level premium paying period or (2) the insured’s attainment of age 75. Policy Form Number: ROP2002USL.
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