LifeScape NonMed Term 350 Life Insurance is designed to provide faster turnaround on term life cases with face amounts of $350,000 or less. It is competitively priced on a fully underwritten, non-medical basis, and is ideal for a variety of needs including mortgage protection.

Product Highlights:

Term Periods:

10, 15, 20, 30 years

Issue Ages:

10 year: 18-65;

15 year: 18-60

20 year: 18-60;

30 year: 18-50 Non-tobacco; 18-45 Tobacco

Issue Amounts:

$50,000 to $350,000

Underwriting Classes:

Select+ non-tobacco/tobacco
Select non-tobacco/tobacco
Standard non-tobacco/tobacco


Conversion period begins on issue date and ends on the earlier of: 1) One year prior to end of level term period for 10-year plan; or 2) two years prior to end of level term period on 15-, 20- and 30-year plans; or 3) policy anniversary after insured attains age 65.

Level and guaranteed for the initial term period of 10, 15, 20 or 30 years. Annually renewable after the initial term to age 95.

Additional Benefit Rider:
(no additional premium)
Accelerated Benefit Rider

Critical Illness Rider:
(additional premium)

Critical Illness Benefit Rider pays a lump-sum benefit if insured is diagnosed with a specified critical illness. Available on Other Insured. This innovative coverage has two unique features:
1) Benefits do not decrease the death benefit but are paid in addition, and
2) After first-ever diagnosis, insured is still eligible for benefits from multiple CI categories if continuing to pay premiums.

Other Optional Riders:(additional premium)
Disability Waiver of Premium Rider
Other Insured Rider
Monthly Disability Income Rider
Accident Only Disability Income Rider
Children’s Term Insurance Rider
Return of Premium Rider
(available on 20-year and 30-year plans of base policy, Waiver of Premium Rider and ROP Rider only)
Critical Illness Rider (see section above)

Payment Modes:

Annual, semi-annual, quarterly, monthly (automatic bank withdrawal and credit card), list bill

Policy Fee:

$70, commissionable

Check out the following documents to learn more!

Product Guide

Agent Highlights