50-Plus Term Life*

For members age 50-74 who want to make sure money would be available to help family members pay off loan balances left behind, final medical bills, funeral costs, and other end-of-life expenses, or help protect a spouse's lifestyle.

This product is uniquely designed to help meet the final expense needs of members age 50–74 with coverage amounts as low as $5,000, and renewal to age 95.

Underwriter	The United States Life Insurance Company in the City of New York (NAIC 70106), 830 Third Avenue, New York, NY 10022-6565 Rated A Excellent by A.M. Best and A- Strong by Fitch United States Life does business in all states (except Puerto Rico) plus the District of Columbia
Eligible Ages	Age 50–74 (renewable to age 95)
Coverage Amount	$5,000 to $100,000 in $5,000 increments Coverage reduces by 50% or to maximum of $20,000 at age 75
Marketing	Primarily direct mail and credit union website
Underwriting	Simplified issue – just a few medical questions, typically no medical or physical exams, plus MIB
Rates	Based on 5-year age band (premium increases as new age band is attained) and Gender
Key Features	Economical premiums Low coverage amounts available (down to $5,000) Simplified issue underwriting to $100,000 Renewable to age 95
*Plan benefits, features & coverage are as specified in the master policy #G-610,168 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.