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Term Life
STANDARD LIFE & Accident Insurance Company Guaranteed Issue
Term Life Insurance
  • Up to 3x salary up to $250,000
  • No medical exam
  • No questionnaire

Get a Custom Plan

*Annual income is helpful for determining term life plan.

Helping Your Most Valuable Assets Protect Their Most Valuable Assets. Most Americans believe in the importance of having life insurance to prevent leaving their loved ones exposed to financial hardship in the event of death. Unfortunately, the cost of coverage may prevent some individuals and families from getting the protection they need.

Enjoy the peace of mind that comes with selecting a term life insurance plan that fits your budget and helps you protect your loved ones.

Plan Availability All States
Enrollment Deadline 17th of month Prior to Effective date
Benefit Amounts
  1. Maximum coverage 3 times salary up to $250,000
  2. Guaranteed issue
  3. No Questions

Must meet the following criteria to be eligible for coverage:

  1. Full-time employment, working 20 or more hours per week,
  2. 30 days of continuous employment with the employer,
  3. Actively at work on the effective date of coverage, and
  4. Must be between 18 and 69 years of age for Guaranteed Issue.
Waiver of Premium Rider All premiums related to the covered person’s coverage, will be waived once the covered employee has been totally disabled for six consecutive months. Premiums will continue to be waived as long as the covered employee is totally disabled.
Portability Provision If the covered person’s loses employment with the employer or changes jobs, the covered person’s has the option to continue coverage and pay premiums.
Conversion Option When coverage terminates, the covered person’s has the option to convert the Term Life coverage to a Permanent life insurance plan offered by the carrier at the same Death Benefit level.
Age Reduction Formula Benefits decrease to:
65% of their benefit at the employee’s age 65;
50% at employee’s age 70;
25% at employee’s age 75;
and terminate at retirement.
Underwritten by
About Standard Life and Accident Insurance Company

Standard Life and Accident Insurance Company (Standard Life) was founded to provide clients with realistic life and health products that solve their needs for financial security.

Since its inception, more than 70 years ago, the Company's ethic has never changed.

"People's needs change from day to day. The shrinking value of the dollar makes insurance protection more important to the individual...We must develop think-ahead programs today which will provide benefits in keeping with the economic changes of tomorrow. While we've grown so fast, it has not been at the expense of the human factor, so vital to this business. Efficiency is emphasized. However, we try never to lose sight of the personal aspects of our relations with policyowners and business clients, as well as our own agents and employees."
— Leonard H. Savage, President 1948-1973, Standard Life and Accident Insurance Company.

Standard Life and Accident Insurance Company (“Standard Life”) has been evaluated and assigned the following ratings by nationally recognized, independent rating agencies. The ratings are current as of November 2018.

A.M. Best:1 A
Standard & Poor's:2 A-

Ratings reflect current independent opinions of the financial capacity of an insurance organization to meet the obligations of its insurance policies and contracts in accordance with their terms. They are based on comprehensive quantitative and qualitative evaluations of the company and its management strategy. The rating agencies do not provide ratings as a recommendation to purchase insurance or annuities. The ratings are not a warranty of an insurer’s current or future ability to meet its contractual obligations.

Ratings may be changed, suspended, or withdrawn at any time.

1 A.M. Best’s active company rating scale is: A++ (Superior), A+ (Superior), A (Excellent), A- (Excellent), B++ (Good), B+ (Good), B (Fair), B- (Fair), C++ (Marginal), C+ (Marginal), C (Weak), C- (Weak) and D (Poor).

2 Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. For a list of Standard & Poor's active company rating scale visit www.standardandpoors.com.


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