Financial Security Program - Exclusively for Members of KPC

Term Life Insurance Plans

Why don't you have life insurance?

I know I need life insurance but it seems so complicated...

With simplified issue just answer 7 Yes-or-No questions, and complete brief telephone interview.

Life insurance is expensive. I can't afford it.

Adjust the term and or the benefit amount to meet your budget. You can purchase more coverage at a later time.

Who has the time for a physical?

With simplified issue no medical exam, body fluids or APS are required.

Simplified Issue Plans
  • Issue Age 18-65 Years
  • Face Amounts $50,000 to $399,999
  • Only 7 Yes-or-No Questions 1
  • Brief Telephone Underwriting Interview
  • No medical exams, body fluids or APS
Fully Underwritten Plans
  • Issue Age 66-75 years for Face Amounts $50,000 to $399,999
  • Issue Age 18-75 for Face Amounts $400,000 or more
Optional Benefits*
  • Accelerated benefits for terminal conditions
  • Insurance protection for child, convertible to permanent coverage of up to 5 times original amount at end of term
  • Additional benefit for death due to accident
  • Waiver of premium if totally disabled for at least 6 months

1 Issuance of the policy may depend on the answers to health questions in the application process

* Some products or riders may not be available in all states. Terms and conditions may apply. Optional benefits provided by rider(s)(an addition to your policy).