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Term To Age 70 Life Insurance

Get qualified, get a quote and get coverage in five easy steps

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1

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Qualifications are based on age and state availability
Step 1/5
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Replacement Policy
Will this insurance replace or change any life insurance or annuity contract?
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Customer Service: 1-888-292-7749 Monday through Friday, 8:00 AM to 7:00 PM EST
Underwritten by The Union Labor Life Insurance Company, 8403 Colesville Road, Silver Spring, MD 20910

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Replacement Coverage

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Replacement Coverage: What is a "Replacement?" A replacement occurs when the applicant cancels, lapses or surrenders an existing policy or certificate of coverage to purchase a new contract with an existing or new insurance company. It can also occur if the applicant uses the cash value from an existing policy or certificate to pay for new coverage.

Unless you are canceling, lapsing, or surrendering your current coverage, or using cash value from an existing life insurance certificate of coverage to purchase new coverage, you should answer NO to this question.

If you have any questions regarding this information or need further explanation regarding Replacements, you may contact us at 1-888-292-7749.

ILLINOIS RELIGIOUS FREEDOM PROTECTION AND CIVIL UNION ACT
Effective June 1, 2011

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This notice is to advise you of the Illinois Religious Freedom Protection and Civil Union Act (the Act), and its impact on your insurance coverage.

The Act creates a legal relationship between two persons of the same or opposite sex who form a civil union pursuant to the Act. A marriage between persons of the same sex, a civil union, or a substantially similar legal relationship other than common law marriage, legally entered into outside of Illinois, will be recognized in Illinois as a civil union.

Parties to a civil union are entitled to the same legal obligations, responsibilities, protections and benefits that are afforded or recognized by the laws of Illinois to spouses.

Effective June 1, 2011, the term 'spouse' in policies, certificates, and applications will be considered to include the parties to a civil union. Policies of insurance that provide coverage for children will include coverage for the children of civil unions.

Spouse Note:

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Spouse includes Domestic Partner, Civil Union Partner, or Legal Partner as recognized by the jurisdiction in which you reside.
Note: *Domestic Partner and Civil Union Partner

With respect to your "spouse" or "Domestic Partner" or "Civil Union Partner" the following definitions apply:

The term "spouse" means a legally married man and woman.

The term "Domestic Partner" or "Civil Union Partner" means two people of the same or opposite sex who have entered into a personal relationship or union that is recognized by a state or government without the implicit historical and religious meaning associated with the term "marriage." A "domestic partner" or "civil union partner" does not include:


  1. persons younger than 18 years of age;
  2. persons who enter into a personal relationship or union prior to the dissolution of a legal marriage, previous personal relationship or union, or substantially similar legal relationship of one of the parties;
  3. persons who are ancestors, descendents, or siblings whether the relationship is by the half or the whole blood or by adoption;
  4. aunts or uncles and a niece or nephew, whether the relationship is by the half or the whole blood or by adoption; nor
  5. first cousins.
*Spouse includes Domestic Partner or Legal Partner as recognized by the jurisdiction in which you reside.
According to the laws of the state of Virginia, spouse is defined as a person of the opposite sex to whom you are legally married.

REPLACEMENT NOTICE

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NOTICE REGARDING REPLACEMENT
REPLACING YOUR LIFE INSURANCE POLICY OR ANNUITY?

Are you thinking about buying a new life insurance policy or annuity and discontinuing or changing an existing one? If you are, your decision could be a good one–or a mistake. You will not know for sure unless you make a careful comparison of your existing benefits and the proposed policy or contract's benefits.

Make sure you understand the facts. You should ask the company or agent that sold you your existing policy or contract to give you information about it.

Hear both sides before you decide. This way you can be sure you are making a decision that is in your best interest.


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