Assurity Contracting & Appointment 2019

Heritage dating back to 1890, Assurity Life has long lived their mission to help people through difficult times. Assurity serves customers across the nation, offering disability income, critical illness, accident and life insurance, annuities and specialty plans.

A.M. Best has rated Assurity Life Insurance Company A- (Excellent) with a stable outlook. Assurity is committed to honoring their obligation to the policyholders now and in the future. 

These are Assurity's current policies and state availability for 2019.

Accidental Death - Acci-Flex

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Acci-Flex Accidental Death is a non-participating, guaranteed-premium accidental death benefit insurance. The death benefit is paid if the insured dies as the result of accidental bodily injury. It’s very affordable, easy to apply for, and issued on a non-medical basis.

Issue ages 18 through 60 (Age Last Birthday). Underwriting classes: Male and Female; Benefit amounts: $50,000 to $350,000. Rate structure: Level premiums based on age and underwriting class. Renewability: Guaranteed renewable to age 75. 

All or part of the Acci-Flex policy can ‘upgrade’ to a fully-underwritten or non-medical life product and receive credit up to the full first year Acci-Flex premium to apply towards the new policy premium.

Acci-Flex Optional Riders are Accidental Only Disability Income, Return of Premium, and Waiver of Premium.

Annuity - Encore

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Ascential Encore Single-Premium, Deferred Annuity allows for tax-deferred growth by earning a fixed rate of interest each policy year.

Issue ages 0 through 85 (Age Last Birthday). Funding options: Qualified or Non-Qualified. Deposit amounts: Minimum of $2,000; additional deposits allowed in first year. Front-end load: None. Withdrawal provision: Up to 12 percent of the account value per policy year, with no surrender charges. Surrender charges: 9 percent in policy year one, grading to 0 percent in year 9. Applicable only to amounts above 12% free withdrawal. Interest rates: An interest rate bonus of up to 1.5 percent may be paid in the first two policy years. The guaranteed interest rate for the first policy year is the “current” interest rate at the time the policy is issued. Thereafter, the interest rate will be based on then-current rates, but never less than 1.5 percent for policies issued in 2015.

Annuity - Plus One

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Ascential Plus One Single-Premium, Deferred Annuity allows for tax-deferred growth by earning a fixed rate of interest each policy year. 

Issue ages 0 through 85 (Age Last Birthday). Funding options: Qualified or Non-Qualified. Deposit amounts: Minimum of $2,000; additional deposits allowed in first year. Front-end load: None. Withdrawal provision: Up to 10 percent of the account value per policy year, with no surrender charges. Surrender charges: 9 percent in policy year one, grading to 0 percent in year 10. Applicable only to amounts above the 10% free withdrawal. Interest rates: An interest rate bonus of up to 1 percent may be paid in the first policy year. The guaranteed interest rate for the first policy year is the “current” interest rate at the time the policy is issued. Thereafter, the interest rate will be based on then-current rates, but never less than 1.5 percent for policies issued in 2015.

Annuity - Single Premium Immediate

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Ascential Single-Premium Immediate Annuity is an insurance product which converts a lump sum of money into a reliable and predictable stream of income.

Issue ages 20 through 85 (Age Last Birthday). Funding options: Qualified or Non-Qualified. Deposit amounts: Minimum premium of $10,000. Front-end load: 6 percent of single-premium amount. Payment options: Life income, life income with guaranteed period, fixed amount, fixed period; others available upon request.

Product availability, rates and features may vary by state.

Critical Illness - Fully Underwritten

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Assurity Balance Critical Illness pays a lump sum cash benefit upon diagnosis of specified illnesses or conditions, or undergoing specific medical procedures.

Issue ages 18 through 64 (Age Last Birthday). Underwriting classes: Non-Tobacco and Tobacco. Benefit amounts: $50,000 to $500,000. Rate structure: Level premiums based on gender, age and underwriting class. Renewability: Guaranteed renewable for life; benefit amount will be reduced by 50 percent in the policy year following the insured’s 65th birthday or five years from the issue date, whichever is later.

Critical Illness policy features Lump-sum Payment, Multiple Benefit Categories, Return of Premium upon Death, and Waiting Period.

Critical Illness Optional Riders are Accidental Death, Spouse Critical Illness, Dependent Child Critical Illness, and Disability Waiver of Premium.

Critical Illness - Simplified

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AssurityBalance Simplified Critical Illness pays a lump sum cash benefit upon diagnosis of specified illnesses or conditions, or undergoing specific medical procedures.

Issue ages 18 through 64 (Age Last Birthday). Underwriting classes: Non-Tobacco and Tobacco. Benefit amounts: $5,000 to $50,000. Rate structure: Level premiums based on gender, age and underwriting class. Renewability: Guaranteed renewable to age 75.

Simplified Critical Illness policy features Lump-sum Payment, Multiple Benefit Categories, Return of Premium upon Death, and Waiting Period. 

Simplified Critical Illness Optional Riders are Accidental Death, Spouse Critical Illness, Dependent Child Critical Illness, Return of Premium, and Disability Waiver of Premium. 

Product availability, rates and features may vary by state.

Disability Income - Century+

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Assurity Balance Century+ Disability Income is individual guaranteed-renewable disability income coverage. It’s ideal for individuals in the middle income market and a variety of occupations including the self-employed.

Issue ages 18 through 60 (Age Nearest Birthday). Underwriting classes: Non-Tobacco and Tobacco. Occupation classes: 4A ~ includes professional or office-type occupations that are rarely exposed to physical or occupational hazards; 3A ~ includes occupations similar to occupation class 4A but with certain activities or hazards involving laboratory, technical, supervisory and service work; 2A ~ includes skilled and manual occupations in lighter industries, along with most machine operators; and 1A ~ includes occupations involving heavy manual labor or unskilled workers where there is increased risk of accident. Standard issue limits: 4A and 3A ~ $20,000, 2A ~ $10,000, and 1A ~ $8,000. Benefit periods: 1-, 2- and 5-year available for all classes; 10-year available for classes 4A, 3A, and 2A; to-age-65 and to-age-67 available for classes 4A, 3A, and 2A if qualifying self-employed or W-2 employee. Elimination periods: 30, 60, 90, 180 and 365 days. Rate structure: Level premiums based on gender, age, underwriting and occupational class, benefit and elimination period. Renewability: Guaranteed to age 65; or age 67 for the to-age-67 benefit.

Century+ Disability Income policy features Two-year Own Occupation Definition, Partial Disability, Presumptive Disability, Home Modification, Survivor, Vocational Rehabilitation, Organ Donor, Waiver of Premium, 15% Discount for 3 or more issued apps, One-occupation upgrade for most self-employed business owners, and Business Owner Income Enhancement.

Century+ Disability Income Optional Riders are Automatic Benefit Increase, Own Occupation, Catastrophic Disability, Residual Disability, Critical Illness, Retroactive Injury, Guaranteed Insurability, Return of Premium, Non-Cancelable, and Supplemental Disability Income.

Disability Income - Simplified

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AssurityBalance Simplified Disability Income is individual guaranteed-renewable disability income coverage with a simplified application and streamlined underwriting processes. It’s ideal for individuals in the lower to upper-middle income markets.

Issue ages 18 through 59 (Age Last Birthday). Underwriting classes: Non-Tobacco and Tobacco. Occupation classes: 1 ~ Professional/office occupations (may have activities that involve laboratory, technical, supervisory or service work: Biologist, accountant, sales clerk, clergy, horticulturist, pharmacist, architect, etc.) and 2 ~ Skilled and unskilled manual occupations (may involve operating machines, heavy manual labor and risks of accidents: Electrician, plumber, farmer, roofer, painter, crane operator, furniture mover, beautician, custodian, auto mechanic, etc.). Maximum issue limit: Lesser of 60 percent of monthly income or $3,000. Benefit periods: 6-month, 1-year and 2-year. Elimination periods: 30, 60, 90 and 180 days. Rate structure: Level premiums based on gender, age band (18-39, 40-49 and 50-59), underwriting class, occupational class, benefit period and elimination period. Renewability: Guaranteed renewable to age 67.

Simplified Disability Income policy features Own Occupation Definition of Disability, Integrated Social Insurance Offsets, Partial Disability, and Waiver of Premium. 

Simplified Disability Income Optional Riders are Critical Illness, Retroactive Injury, and Return of Premium. 

Disability Income - Business Overhead Expense

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Business Overhead Expense Disability Income pays for usual business operating expenses that are generally accepted as tax deductible while the insured is totally disabled. 

Issue ages 18 through 60 (Age Nearest Birthday). Underwriting classes: Non-Tobacco and Tobacco. Occupation classes: 4A ~ Accountants, attorneys, computer programmers, insurance agents and brokers, real estate agents and brokers, traveling salespersons, travel agents; 3A ~ Dentists, retail liquor sales, real estate appraisers, surveyors, small animal veterinarians; 2A ~ Aerobics instructors, automobile mechanics, barbers and beauticians, brick masons, carpenters, drywall installers, electricians, farmers, glaziers, machinists, welders; and 1A ~ Not eligible for BOE, except truck drivers who are eligible for a monthly benefit of up to $2,500 with a one year benefit period and premiums based on Class 2A with an automatic Table 1 ~ 25 percent rating. Issue limits: Lesser of current monthly covered expenses or the following based on occupational classes: 4A, 3A, 2A ~ $20,000; 1A ~ N/A. Benefit periods: 1-year or 2-years. Elimination periods: 30, 60, or 90 days. Rate structure: Premiums are level, and based on gender, issue age, underwriting class, occupational class, benefit period and elimination period. Renewability: Guaranteed renewable to age 65.  

Business Overhead Expense Disability Income policy features Accumulating, Own Occupation Definition of Disability, Presumptive Disability, Partial Disability, Rehabilitation, Survivor, and Waiver of Premium.

Disability Income - Graded Benefit

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AssurityBalance Graded Benefit Disability Income is individual guaranteed-renewable, impaired risk disability income insurance with a traditional definition of disability and a reduced benefit amount for disabilities commencing in the first two policy years. 

Issue ages 18 through 60 (Age Last Birthday). Underwriting classes: Non-Tobacco and Tobacco. Occupation classes: 4A ~ includes professional or office-type occupations that are rarely exposed to physical or occupational hazards; 3A ~ includes occupations similar to occupation class 4A but with certain activities or hazards involving laboratory, technical, supervisory and service work; 2A ~ includes skilled and manual occupations in lighter industries, along with most machine operators; and 1A ~ includes occupations involving heavy manual labor or unskilled workers where there is increased risk of accident. Standard issue limits: Classes 4A and 3A ~ $15,000, Class 2A ~ $10,000, Class 1A ~ $8,000. Benefit periods: 2-year; 5-year ~ all classes; 10-year ~ classes 4A, 3A, and 2A. Elimination periods: 30, 60, 90, and 180 days for the 2-year benefit period; 30, 60 90, 180, and 365 days for the 5- and 10-year benefit periods. Rate structure: Premiums are level and based on gender, tobacco use, age, occupation class, benefit period and elimination period. Renewability: Guaranteed renewable to age 65.

Graded Benefit Disability Income policy features Graded Policy, Two-year Own Occupation Definition of Disability, Partial Disability, Presumptive Disability, Home Modification, Survivor, Vocational Rehabilitation, One-occupation upgrade for self-employed business owners, and Wavier of Premium.

Graded Benefit Disability Income Optional Riders are Supplemental Disability Income Graded and Own Occupation.

Product availability, rates and features may vary by state.

Term - Term Life

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Assurity Term Life with Accelerated Underwriting is an affordable product that provides a less invasive, streamlined approach for faster application approval.

  • Accelerated underwriting available up to $500,000
  • Flexible face amounts from $25,000 to $10 million on all underwriting classes
  • Option to convert to permanent life insurance
  • 10, 15, 20, or 30 year terms available

Issue ages (Age Last Birthday/based on Level Term Period): 18 through 75, 10-year level premium period; 18 through 70, 15-year level premium period; 18 through 65, 20-year level premium period; and 18 through 55 (Non-Tobacco), 18 through 50 (Tobacco), 30-year level premium period. Face amounts: $25,000 to $10 million; Underwriting classes: Preferred Plus Non-Tobacco, Preferred Non-Tobacco, Preferred Tobacco, Standard Non-Tobacco, and Standard Tobacco. 

Additional underwriting required for over $500,000, ages 18-50 and over $350,000, ages 51 to 65. Rate structure: Premiums are level and guaranteed for the initial term period of 10, 15, 20 or 30 years with an attained age scale, thereafter; based on insured’s gender, underwriting class, age and benefit amount. Renewability: Guaranteed to age 95.

Term Life policy features Accelerated Underwriting, Conversion Privilege, and Accelerated Benefits.

Term Life Optional Riders are Endowment Benefit (Return of Premium), Monthly Disability Income, Critical Illness, Disability Waiver of Premium, Accident-Only Disability Income, Other Insured Level Term, and Children’s Term.

Universal Life - LifeScape Universal Life

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LifeScape Universal Life is flexible-premium, flexible-benefit, and current-assumption universal life insurance with maturity at age 121.

Issue ages 15 days to 85 years (Age Last Birthday). Face amounts: From $25,000 for all issue ages. Underwriting classes: Preferred Plus Non-Tobacco (ages 15 days to 85 years), Preferred Non-Tobacco (ages 15 days to 85 years), Select Non-Tobacco (ages 0 through 85), Preferred Tobacco (ages 15 days to 85 years), and Standard Tobacco (ages 15 days  to 85 years). Rate structure: Flexible premiums with minimum/target premiums based on gender, underwriting class, premium band and issue age. Renewability: Guaranteed to age 121.

Accelerated Benefits Rider is automatically added at no additional cost, where allowed by state law.

LifeScape Universal Life Optional Riders are Level Term, Critical Illness, Face Amount Increase, Disability Income, Accident-Only Disability Income, Children’s Term, Accidental Death, and Disability Waiver.

Whole Life - Participating

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LifeScape Whole Life is a level-benefit, participating whole life insurance with level, guaranteed premiums to maturity at age 121.

Issue ages 15 days to 85 years (Age Last Birthday). Face amounts: Minimum $15,000 (ages 15 days through 14 years), $10,000 (ages 15+ years). Underwriting classes: Preferred+ Non-Tobacco, Preferred Non-Tobacco, Preferred Tobacco, Select Non-Tobacco, and Standard Tobacco. Rate structure: Level, guaranteed premiums based on gender, issue age, premium band and underwriting class: Premium Band 1 ~ $10,000 through $74,999; Premium Band 2 ~ $75,000 through $149,999, and Premium Band 3 ~ $150,000 and above. Renewability: Guaranteed to age 121.

Accelerated Benefits Rider is automatically added at no additional cost, where allowed by state law. Exchange Privilege is included at no additional cost.

Whole Life Optional Riders are Level Term, Value Enhancement, Monthly Disability Income, Accident-Only Disability Income, Children’s Term, Critical Illness, Accidental Death, Disability Waiver of Premium, Payor Benefit, and Protected Insurability.

Whole Life - Simplified

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LifeScape Simplified Level-Benefit Whole Life is non-participating whole life insurance with level, guaranteed premiums through maturity at age 121.

Issue ages 6 months through 80 (Age Last Birthday). Face amounts: Minimum $10,000 (ages 6 months through 19), $5,000 (ages 20+); Maximum $50,000 (ages 6 months through 65), $25,000 (ages 66+). Underwriting classes: Select Non-Tobacco and Tobacco. Rate structure: Level, guaranteed premiums based on gender, underwriting class and issue age. Renewability: Guaranteed to age 121.

Alternative Benefit Options are for clients with a less than favorable health history, the unique application process filters applicants into the right plan. A graded benefit plan is available for those that don’t qualify for the level option. A modified benefit plan is available for many who have difficulty finding any life insurance coverage.

Whole Life - Single Premium

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LifeScape Single-Premium Whole Life is a single-premium, level-benefit, participating whole life insurance with maturity at age 121.

Issue ages 15 days through 80 (Age Last Birthday). Face amounts: Minimum $10,000 (ages 0 through 54), $5,000 (ages 55+). Underwriting classes: Select Non-Tobacco and Tobacco. Rate structure: Single premium based on gender, underwriting class and issue age. Renewability: Guaranteed to age 121.

Accelerated Benefits and Single Premium Insurance Riders are automatically added at no additional cost, where allowed by state law. 

Single-Premium Whole Life policies earn dividends. The dividends can be used to purchase additional paid-up insurance or be received in cash. 

Whole Life - Joint First-to-Die

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LifeScape Joint Whole Life is a level benefit, participating whole life insurance with level, guaranteed premiums to maturity at joint age 121. A benefit is paid upon the death of the first joint insured. If both insureds die within 24 hours, the benefit will be paid for each. 

Issue ages 15 days through 85 (Age Last Birthday). Face amounts: Minimum $15,000 (ages 0 through 14), $10,000 (ages 15+). Underwriting classes: Preferred Non-Tobacco, Standard Non-Tobacco, Standard Tobacco, and Combination. Rate structure: Level, guaranteed premiums based on gender, issue age, premium band and underwriting class: Premium Band 1 ~ $10,000 through $149,999 and Premium Band 2 ~ $150,000 and above. Renewability: Guaranteed to age 121. 

Accelerated Benefits Rider is automatically added at no additional cost, where allowed by state law. Survivor’s Benefits is included. 

Joint Whole Life Optional Riders are Joint Level Term, Joint Protected Insurability, Joint Disability Waiver of Premium, Joint Paid-Up Additions, and Children’s Term. 

Product availability, rates and features may vary by state.

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