Better Term Life - 3 Coverages In 1 - We've made it easy

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The best time to get insurance is younger than you may think.  The affordability and flexible time span term life insurance offers makes it a go-to-policy for many young adults.  Do you need a 10-year policy to cover your student loan debt?  Or a 30-year-policy to act as a safeguard while you pay off a mortgage?  Having term life insurance in place helps your loved ones in the event of your death during that time span.

Major illness protection and income protection (officially known as the Critical Illness Benefit Rider and the Monthly Disability Income Rider) are two other important tools to help keep you moving forward and money coming in.

Sooner is better when it comes to insurance.  Putting coverage for your life, health and income in place when you are young helps protect your future and offers you the most affordable premiums.

With Life Protect+ you get a better life insurance policy that combines term insurance with critical illness riders and income protection insurance riders in one easy package.  Perfect for your mortgage protection insurance needs. 

When you are swimming in the deep end of the going-to-college, first job, newlywed, starter-home or growing-family years, it’s easy to think of insurance as a ‘someday’ task.  But as recent events like COVID have shown us, things happen.

That’s why insurance should fall in the ‘now’ category.  These young and busy years when you feel the need for insurance the least are actually the best and most affordable time to secure it.  Plus, the policy is yours and not tied to where you work.

Why now?

When you’re young, you are likely making less money and carrying more debts.  Your debt load may rise as you juggle a mortgage, student loans, the expenses of starting a family, a business or other adventures.

Odds are your income is on a slower climb.  The three types of coverage in StartSmart help bridge that gap, so you don’t have to hit pause on your plans if the unexpected happens.

StartSmart’s term life insurance (Life Protect+) plus coverage for a major illness and income protection provides an easy, affordable insurance foundation you can lean on and build on.  It’s designed specifically for young adults and the unique financial risks you face - at the time in life when the premiums will be at their lowest.

Watch this short video to see how Life Protect+ helps protect your future with three products in one application.

With Life Protect+ you get a better life insurance policy that combines term insurance with critical illness riders and income protection insurance riders in one easy package.  Perfect for your mortgage protection insurance needs. 

Life Protect+ is a 3-in-1 insurance plan that combines Term Life Insurance, Critical Illness and Disability Income coverage into one easy, affordable bundled plan.  You can adjust the plan to fit your needs and your bank account.  

What is so unique about Life Protect+?  The living benefits do not reduce the term life death benefit!  If you receive benefits from the critical illness rider or disability income rider, it will not reduce the death benefit one dime!

How to get started with Life Protect+ today!  You fill out one online application, get an instant coverage decision and pay one bill.  You can also work with an insurance representative to answer any questions you may have.  The protection Life Protect+ provides is an important and easy tool to help protect the life you are building.  If you are a young adult, this is the most affordable time to secure Life Protect+’s coverage, although its bundled design helps customers of any age save on insurance premiums.

With Life Protect+ you get a better life insurance policy that combines term insurance with critical illness riders and income protection insurance riders in one easy package.  Perfect for your mortgage protection insurance needs. 

Generally speaking, for less than $38 a month, a young adult can receive a $250,000 Term Life Insurance policy plus $20,000 of coverage for a major illness and $1,500 of monthly income protection.*  That’s less than the cost of eating out for a family of four!** 

* Illustration based on female age 26, Preferred+ Non-Tobacco, provides $250,000 in Term Life Insurance with the optional Critical Illness Benefit Rider with a $20,000 benefit amount and the optional Monthly Disability Income Rider with a $1,500 monthly benefit.

** Average American Household Cost Annually for Dining Out, Bureau of Labor Statistics, reported by MoneyUnder30.com, July 2022

With Life Protect+ you get a better life insurance policy that combines term insurance with critical illness riders and income protection insurance riders in one easy package.  Perfect for your mortgage protection insurance needs. 

Term life insurance is one of the most affordable types of protection. If you’ve ever had life insurance coverage through an employer, this is probably what it was.

Term life works by protecting you for a certain period of time — or a term. That term can be 10, 20 or 30 years, or even as short as a single day or week for some specific plans.  During that time, you’re protected so long as you continue to pay premiums. If you die during the term that your insurance is active, your beneficiary receives payment.

But why would you want insurance on a timer?  Well, lots of reasons — for instance, you might only need insurance coverage until your kids are finished with college or until you retire.  For super short-term insurance, you might only need protection for a single day while you’re traveling – but keep in mind that isn’t the main use of term life insurance.  It generally lasts for decades, but allows you to tailor the duration of coverage for a more customizable experience.

If term life insurance is appropriate for you now, but you think you could want whole life insurance later, there’s even a solution for that.  Term life insurance is convertible, meaning you can transfer your term insurance to an equal amount of permanent (whole life) coverage.

The last benefit of term life is that it’s the least expensive type of life insurance.  Because it doesn’t build cash value and isn’t in force for the entire duration of your life, term coverage is far more affordable than other types of life insurance.

Term life insurance is appropriate for families and individuals who only need coverage for a limited amount of time or are looking to insure themselves for a smaller amount of money.

With Life Protect+ you get a better life insurance policy that combines term insurance with critical illness riders and income protection insurance riders in one easy package.  Perfect for your mortgage protection insurance needs. 

Acquiring coverage for a major illness, called a Critical Illness Benefit Rider, provides money to use however you wish if you’re diagnosed with a covered, serious condition, such as cancer, heart attack or stroke.  Knowing you’ll be able to cover expenses from deductibles to groceries lets you focus on getting better.

The policy provides a payment equal to the amount of insurance you purchase.  One of the best features of the Critical Illness Benefit Rider is the freedom to use the money where you need it most.  The benefits can be a welcome remedy when you are recovering from an illness while facing high out-of-pocket medical costs.

This living benefit does not reduce the term life death benefit!  If you receive benefits from the critical illness rider, it will not reduce the death benefit one dime!

With Life Protect+ you get a better life insurance policy that combines term insurance with critical illness riders and income protection insurance riders in one easy package.  Perfect for your mortgage protection insurance needs. 

Income protection, called a Monthly Disability Income Rider, keeps money flowing into your household if you’re disabled and unable to work.  It replaces a portion of your lost income so you can continue to pay your mortgage, car payment, credit cards, childcare and other regular monthly bills.

This living benefit does not reduce the term life death benefit!  If you receive benefits from the disability income rider, it will not reduce the death benefit one dime!

With Life Protect+ you get a better life insurance policy that combines term insurance with critical illness riders and income protection insurance riders in one easy package.  Perfect for your mortgage protection insurance needs. 

You can start today!  Get your personally prepared quote and apply for coverage now!

With Life Protect+ you get a better life insurance policy that combines term insurance with critical illness riders and income protection insurance riders in one easy package.  Perfect for your mortgage protection insurance needs.