Protect yourself and your loved ones.

Term Select is low cost term insurance and the ideal life insurance product for mortgage protection, short-term debt and business/farm insurance.

Term Select features the following:

  • 5-, 10-, 15-, 20-, 25- or 30-year term plans
  • Guaranteed level premiums
  • Minimum death benefit: $50,000
  • Convertible term policy
  • Wide range of coverage amounts
  • Additional Insured Term Rider, Term Insurance Rider for Children, Waiver of Premium Disability Benefit Rider, Accidental Death Benefit Rider, Accelerated Death Benefit Rider, Seat Belt Benefit Rider, Unemployment Benefit Rider, Total Disability Income Benefit Rider and Term Insurance Rider with Accelerated Benefit (CI Rider), in states where approved

Term Select


Insurance isn’t a difficult decision—it’s an Easy Choice.

Whether you purchased a new car, remodeled your kitchen or attended college, you may have incurred short-term debt. Easy Choice Term is a simple low-cost, hassle-free 5-year term life insurance product that can cover your short-term debt. Easy Choice Term is a simple and thoughtful way to make sure your obligations don’t become your loved-ones’ burden.

Easy Choice Term Highlights:

  • No medical exams
  • Simplified underwriting
  • Short form application
  • Issue ages 18-70
  • Coverage amounts from $5,000 - $100,000
  • Five years of coverage with 5-year renewable option
  • Accelerated Death Benefit and Seat Belt Benefit Riders included at no additional cost—subject to state approval


Because your time is precious.

With Instant Issue Term, in just minutes, you can apply for and walk out of your agent's office with your policy in hand, leaving plenty of time for you to do the other things you love. iit is a quick coverage option for new auto owners or homeowners and people looking for one-stop shopping.

Instant Issue Term Highlights:

  • Available exclusively online; no paper applications
  • Accept/reject underwriting based on simplified online application process
  • Convenient, fast and easy; issued instantly
  • Credit card payment accepted**
  • 5-, 10-, 15-, 20-, 25-, or 30-year term plans in amounts from $25,000 - $250,000
  • Guaranteed premiums and death benefit amount
  • Accelerated Death Benefit Rider and Seat Belt Benefit Rider included, in states where approved, at no additional cost


This may be the most important gift you will ever give.

Youth Plus Term is a parent's, grandparent's or other loving relative's gift that provides future security for the children they love. Youth Plus Term, a small face term life insurance policy, provides two-stage lifetime insurance protection.

Youth Plus Term Highlights:

  • Death benefit options of $5,000, $7,500, $10,000 or $20,000
  • One single premium or two year payment plan available
  • Convertible at age 25 to a permanent plan being offered by EMCNL, up to $25,000 without evidence of insurability
  • Guaranteed Insurability Option Rider can be purchased if converted to a universal life policy, without evidence of insurability; $150,000 total coverage available by purchasing $25,000 at ages 28, 31, 34, 37 and 40
  • Available online through your agent - Convenient, fast and easy; issued instantly if qualified
    Credit card payment accepted**
** Credit card payment is not accepted in MD, NC and PA. Annual payment mode is not available in ME. For Youth Plus Term, non-monthly modes are accepted only. Credit card payment is not accepted for monthly check plan.

Not all products and riders are approved in all states. Complete product and rider details are contained in the respective policy forms for each product and may vary by state.