Mortgage Term Life

A new home loan is an excellent opportunity to solidify a long-term relationship with members.

LifeHelp’s Mortgage Term Life Insurance program is designed to provide security and protect the investment of new mortgage loan borrowers through a portfolio of individual term life products underwritten by leading insurance carriers.

Fidelity Life-Rapid Decision Term
AIG American General - LTG Ultra, LTG Ultra-C
West Coast Life - Focus GLT Series
Underwriter American General Life Insurance Company,** a member company of American International Group, Inc., Rated A+ Superior by A.M. Best
West Coast Life, Rated A+ Superior by A.M. Best
Fidelity Life, Rated A- Excellent by A.M. Best
Eligible Ages Age 18–80
Coverage Amount $5,000 to $10,000,000
Marketing A combination of media applications, mail, web and member direct contact
Underwriting Varies by carrier – simplified issue and full underwriting including medical or physical exams
Rates Age, Gender, Tobacco, Health
Key Features Return of premium
Waiver of premium
Portability of policies
*Plan benefits, features & coverage vary by carrier, are subject to product limitations, and may not be available in all states. Coverage is made available through Cuenca & Associates Insurance Agency, dba LifeHelp, CA License No. 044 9782. These products are offerings for insurance, are not an obligation of or guaranteed by the Credit Union, and are not insured by the NCUA. Available plans may change from time-to-time.

**Amercian General Life Insurance Company, (NAIC 60488), 2727-A Allen Parkway, Houston, TX 77251, does business in all states (except New York), plus Puerto Rico and the District of Columbia.