The Term Warehouse

The Term Warehouse offers the most comprehensive presentation of term life insurance in the industry.  The Term Warehouse covers over 250 options issued by the top companies in the life insurance industry.  The basic presentation provides premiums for 10, 15, 20, 25 & 30 year guarantee periods covering all modal options for the four major rate classes (Preferred Best, Preferred, Standard Plus & Standard).  That is up to to 1,840 different combinations of guarantee periods, companies, rate classes and payment options (varies by issue state).

To help guide one through all the options, the Term Warehouse ranks each available option by guarantee period, taking into consideration premium, product features and benefits, ease of underwriting and the financial ratings of the issuing company.  The options are scored relative to the other available options of the given guarantee period and ranked accordingly. With each situation being different, rankings could vary greatly by age, gender, tobacco usage and death benefit amount.

Term Warehouse Highlights

    • Accelerated Underwriting up to $5,000,000
    • Return of Premium
    • Waiver of Premium
    • $10,000 Dependent Child riders
    • Chronic and Critical Illness riders
    • Vitality Plus from John Hancock
    • Carrier retention up to $30,000,000
    • Jumbo limits up to $65,000,000

Term Warehouse Guarantee Periods

10 years 24 years
15 years 25 years
16 years 26 years
17 years 27 years
18 years 28 years
19 years 29 years
20 years 30 years
21 years 35 years
22 years 40 years
23 years