3-in-1 Term Life Insurance

3-in-1 starts with term life insurance and lets you add optional protection for a serious illness and disability income protection—all through one application and underwriting process.

You can choose the combination of protection that fits your needs and budget.

No. Receiving benefits from the optional critical illness or disability income protection does not reduce your term life insurance benefit.

That's an important difference from some life insurance policies that allow you to access part of the death benefit early. With 3-in-1, these are separate benefits.

The optional Critical Illness Benefit can provide money if you're diagnosed with a serious illness covered by the policy, such as cancer, heart attack or stroke.

The money is paid directly to you and can be used where you need it—from medical expenses and deductibles to groceries and everyday bills.

The optional Monthly Disability Income benefit provides monthly income if a disability keeps you from working.

It can help replace a portion of your lost income so you can continue paying regular expenses such as your mortgage or rent, car payment, utilities, groceries and other monthly bills.

Yes. Your coverage belongs to you and isn't tied to your employer. Changing jobs doesn't mean leaving your protection behind.

Yes. You can select your term life insurance amount and term length and decide whether the optional critical illness and disability income protection make sense for you.

That allows you to build coverage around your needs, priorities and budget rather than buying a one-size-fits-all package. 

Conditions, Limitations and Exclusions

The following limitations and exclusions apply to the policy as approved in most states. Limitations and exclusions may vary by state. For a list of all limitations and exclusions, refer to the actual policy. \

Right to Cancel – The policy contains a 30-day free look period. 

Renewability – The policy is renewable to age 95.

Contestability – Assurity has the right to contest the validity of the policy or any attached riders based on material misrepresentations made in the application. Assurity cannot contest the validity of the policy or any attached riders after it has been in force for two years from the issue date, except for fraudulent misstatements made in the application, when permitted by the law of the state where the policy is issued.

Suicide – If the insured person dies by suicide within two years of the issue date or two years of the last reinstatement date, Assurity’s liability is limited to a refund of premiums paid, less benefits paid under any riders.

Misstatement of Age and/or Gender – If the insured person’s age and/or gender (if the policy was issued on a gender-distinct basis) is misstated in the application, Assurity will revise the policy and any applicable riders’ benefit amounts to the amount the premium would have purchased for the correct age and/or gender.

Termination – The policy will terminate the earliest of the following: when premium is not paid by the end of the grace period; the date the face amount is less than $25,000 due to conversion; the date Assurity receives written notice to terminate; upon the insured person’s death; or on the expiration date listed on the policy schedule.

Riders may contain additional conditions, limitations and exclusions.

NOT AVAILABLE IN NEW YORK.

Policy Form No. I L1702 and Rider Form Nos. R I0762 and R I0825-T underwritten by Assurity Life Insurance Company, Lincoln, NE.

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.