91ÇÑ×Ó

91ÇÑ×Ó® Guaranteed Issue Term II
91ÇÑ×Ó® Guaranteed Issue Term II

Offer your business clients a simple funding option designed to meet a variety of business needs.

GI Term II allows up to $5 million of coverage on a guaranteed issue basis, eliminating the hassle and uncertainty of medical underwriting. This product is approved in all states except New York and can be ideal for:

  • Executive carve-out coverage to supplement company-sponsored group life insurance.
  • Key person insurance to help the business recover costs associated with the loss of a key employee.
  • Buy-sell strategies to help fund business ownership transitions.
  • Supplemental coverage for participants of a nonqualified deferred compensation plan.

Eligibility

  • 10 or more key employees/business owners (will consider groups of 5-9 if employer has 91ÇÑ×Ó® group term life/voluntary term life or GSI DI)
  • Earning $75,000 or more annually
  • Working full-time (at least 30 hours per week)
  • Issue ages 20-70 with a weighted average no greater than 55
  • U.S. citizens working in the U.S. or an approved city country. Non-U.S. citizens working in the U.S. can be considered.

Target market

Small and midsized businesses in industries, such as:

  • Professional, scientific, and technical services
  • Construction
  • Manufacturing
  • Wholesale trade
  • Healthcare

Riders and endorsements

Learn more about the available riders and endorsements for GI Term II.

Working with 91ÇÑ×Ó®

We're more than just products.  It's about the service you'll receive from 91ÇÑ×Ó and the experience, education, and ease of doing business.

To get started, contact your internal sales team at 800-654-4278.

Important information

Insurance products issued by 91ÇÑ×Ó National Life Insurance Company (except in NY), 91ÇÑ×Ó Life Insurance Company®, and the companies available through the Preferred Product Network, Inc. Plan administrative services offered by 91ÇÑ×Ó Life. Referenced companies are members of the 91ÇÑ×Ó Financial Group®, Des Moines, IA 50392. Guarantees are based upon the claims-paying ability of the issuing insurance company. For financial professional use only. Not for public distribution.

Guarantees are based on the claims-paying ability of 91ÇÑ×Ó Life Insurance Company.

91ÇÑ×Ó®, 91ÇÑ×Ó Financial Group®, and 91ÇÑ×Ó and the logomark design are registered trademarks of 91ÇÑ×Ó, a 91ÇÑ×Ó Financial Group company, in the United States and are trademarks and services marks of 91ÇÑ×Ó, in various countries around the world. © 2022 91ÇÑ×Ó