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Introducing Affinity 2000 Term Life Insurance, the newest generation of the Affinity family of products that have insured thousands of successful professionals and their spouses since 1957. Affinity 2000 is an extremely attractive product in today's competitive marketplace for term life insurance. Created exclusively for professionals, Affinity 2000 Yearly Renewable Term Life Insurance offers enhanced product features and highly competitive rates.
Features that work for you
- Up to $1 million of coverage.
- Super-preferred rates on coverage over $250,000.
- No annual policy fee.
- Guaranteed renewable to age 75.
- Convertible to universal life insurance policy before age 60.
- Accidental death coverage option up to age 75.
- A disability option that eliminates premiums to age 75.
- Your spouse can apply for coverage even if you do not.
- Children's insurance.
- You own the policy because this is individual, not group, coverage. You can use it for collateral assignment and even transfer ownership.
- An early payout for terminal illness.
You Own the Policy
With this plan, protection is provided under an individual policy that is renewable each year. Premiums are based on the claim experience of professionals insured under the program, but you retain rights of ownership. Coverage can be increased at any time simply by satisfying medical requirements. You also can transfer ownership, decrease coverage or cancel the policy.
Plus, you can feel secure about this coverage because it's provided by ReliaStar Life Insurance Company, a respected 100-year-old company that's among the nation's largest group life insurers.
Apply Up to Age 60
Members and spouses under age 60 are eligible to apply for coverage. Spouses can apply for their own policy even if the member does not. Members and spouses who do not use tobacco may apply for up to $1 million of coverage. Tobacco users may apply for up to $500,000.
Guaranteed Coverage to Age 75
Coverage is guaranteed renewable to age 75. Coverage cannot be reduced because of your age or cancelled due to changes in your health. Coverage can only be cancelled if premiums aren't paid on time.
No Annual Policy Fee
With this plan, you never pay an annual policy fee. You pay only the rates stated in the table.
A Pay-out for Terminal Illness
This plan includes an accelerated life benefit. It allows you to collect 50 percent of your insurance (up to $100,000) if you are terminally ill, and have a life expectancy of nine months or less.*
You may use the money any way you wish. All remaining insurance benefits will be paid to your beneficiary upon your death.
*Accelerated life benefit coverage may vary by state
Conversion
You can convert your term insurance to a universal life insurance policy before age 60. Conversion is guaranteed regardless of your health, unless you are disabled and not paying premiums.
Competitive Rates
Rates are based on the positive claims experience of professionals covered under the program. In this program, you are protected from individual rate increases. Your rates will only increase if you enter a new age-rating category, or if rates increase for all participants in your rate class.
New Super-Preferred Rates
For extra savings, you can take advantage of our new super-preferred rates. Savings can be substantial. To apply, you must satisfactorily answer for additional health questions on the application. Because these rates require some added underwriting, you benefit with lower premiums.
Optional Coverages
Disability Waiver of Premium
If you become totally disabled before age 60, you pay no premiums during your disability and your coverage remains in-force until the policy terminates at age 75.
Accidental Death Benefit
If you die as a result of an accident, the benefits paid by your policy are doubled, up to a maximum accidental death benefit of $500,000.
Children's Coverage
You and your spouse can each apply for a children's insurance rider (if the spouse is covered under his or her own policy). This feature provides $10,000 of coverage for each of your children, ages 14 days to 25 years. Adopted children and stepchildren are also eligible.
When you and/or your spouse first apply for coverage, you can add this rider, regardless of your children's medical history. One $21.60 semi-annual premium covers all of your children.
This is a summary of benefits only. A complete description of benefits and limitations will be provided in the insurance policy. Policy form 40-081.
The Company Behind the Coverage:
20 Washington Avenue South
Minneapolis, Minnesota 55401
Making Connections with Ease through Efficient Service.
Insurance products provided by ReliaStar Life Insurance Company and other affiliated companies which are wholly owned subsidiaries of ING Group. ING Group is an Amsterdam-based global leader in integrated financial services, providing banking, insurance and asset management businesses in 60 countries worldwide. It is the 10th largest organization in the world based on market capitalization. The financial obligations of the insurance companies are not obligations of or guaranteed by ING Group.