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Term Life Insurance
Protection for your life-style today and tomorrow
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 Term Life - Life-style Term ®

   
     Get a free, no obligation quote.
  

Protection for your life-style today and tomorrow

Guaranteed Renewable and Convertible Term Life Insurance to age 70
- with options to age 100

  •  5  Year Level Premium Term Life Insurance to Age 70
  • 10 Year Level Premium to Age 70 with options to Age 100
  • 15 Year Level Premium to Age 70 with options to Age 100
  • 20 Year Level Premium to Age 70 with options to Age 100

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    Description Summary for All Plans Minimum $50,000 face amount.

    The current premium is guaranteed by plan type as follows:
  •  5  Year Level Premium,  5  Years.
  • 10 Year Level Premium, 10 Years.
  • 15 Year Level Premium, 15 Years.
  • 20 Year Level Premium, 20 Years.
  • Annual Renewable Term Life Insurance, 5 years.

    Renewable without evidence of insurability to age 70. The premiums at renewal are based on the then current premiums used for renewals for the same premium class.

    Conversion privilege

    Applies for issue age 60 or younger.

    Convert to any permanent insurance plan offered by the company.

    		•

    5-Year Level Premium Term Life Insurance to age 70. Convert at the 9th policy anniversary or age 65, whichever comes first.

    • 10 Year and 15 Year Level Premium Term Life Insurance to age 70. Convert at the 14th policy anniversary or age 65, whichever comes first.

    • 20 Year Level Premium Term Life Insurance to age 70. Convert at the 19th policy anniversary or age 65, whichever comes first.

    Decreasing Term Life Insurance Privilege

    At the end of the initial insurance period shown in the policy and each renewal insurance period thereafter, the insured has the option to elect decreasing term to age 100. Provides for either a level premium with a decreasing face amount, or a level face amount with increasing premium.

    Riders Available on all plans

    Waiver of Premium (WP) - Issued thru age 55, renewed to age 60.

    Riders Available on 5 Year, 10 Year, 15 Year, and 20 Year plans:

    		•

    Family Group-Children Only (FG-CO) - $2,000 benefit per $18.00 unit, up to 10 units maximum (per family). (Family Group Life Insurance)

    • Addition of spouse - must be the spouse of the base insured. Minimum rider face amount $50,000 and a maximum of the basic policy face amount.

    • Addition of up to 4 Insureds - must be related per a business or immediate family and dependents only. Minimum rider face amount $50,000 and a maximum of the basic policy face amount. (WP and FG-CO not available.) $50.00 annual policy fee.

     

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    North Coast Life Insurance
    1116 West Riverside Avenue
    Spokane, WA 99201
    Toll-Free (800) 541-5858
    Local (509) 838-4235
    Fax (509) 747-8569
    Hours: Mon-Fri 8-5, Pacific
     
     
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