Aflac® Life Protector (Term & Whole) Flashcards
WAIVER OF PREMIUM
Policy premiums will be waived if you become totally disabled under the terms of the policy.
ACCELERATED DEATH BENEFIT
We pay 50% of the face amount upon diagnosis if the primary insured is diagnosed with a terminal condition (primary insured only).
SPOUSE 10-YEAR (ISSUE AGES 18-65) TERM LIFE INSURANCE RIDER
Optional Rider (payroll sales only): We will pay 50% of the policy’s face amount up to a maximum of $50,000 for your spouse.
CHILD TERM LIFE RIDER
Optional Rider: We will pay term coverage equal to 25 percent of the policy’s face amount up to a maximum of $15,000 for each dependent child to age 25. To become insured, the child must be at least 14 days old and less than 18 years old at the time of application. The Eligible Date of coverage for any eligible newborn child will not begin until the later of: (1) the date any eligible newborn child attains the age of 14 days, or (2) the date any eligible newborn child is first released from the hospital after birth.
ACCIDENTAL-DEATH BENEFIT RIDER
We will pay an additional amount equal to the face amount selected if your death is the result of a covered accident and occurs within 180 days of the covered accident. Also, we will pay an additional 25% of the face amount selected if your death is the result of an automobile accident while you were wearing an unaltered and, properly fastened seatbelt installed by the automobile manufacturer, and you were not at fault for the accident, according to the police report.
TERM LIFE LENGTHS
10-year, 20-year, or 30 year
WHOLE & TERM COVERAGES
If you’re age 50 or under, you may apply for up to $200,000 in coverage. If you’re over age 50, you may be eligible for up to $100,000 in life insurance protection.
AFFECTED BY SIC RATING
No
NEEDS HEALTH INSURANCE
No
CAN BE OFFERED ON DIRECT
Yes
HAS WELLNESS BENEFIT
No
OFFERED PRE TAX
No
OFFERED POST TAX
Yes
