Coverage is available for a term of either 10 or 20 years, in amounts ranging from $100,000 to $10 million. Coverage can be continued on a year-by-year basis after the initial term concludes up to age 90, or age 80 in New York.
Applicants can obtain a quote online or speak to an insurance associate to determine how much coverage is needed. A medical exam precedes underwriting approval. A disability premium waiver and accelerated death benefit can be added to the policy.