Term.com is currently limiting its solicitation to residents of the United States of America. It's agents are not licensed in every state and licenses in several states are pending. This site is operating under the licenses of LifePro Financial Services, Inc. LifePro Financial Services is not licensed in Wyoming, the Virgin Islands, Puerto Rico, or Guam. Our office is located at 225 West Plaza, Suite 400, Solana Beach, CA 92075.
The team responsible for the Term.com Web-site makes every attempt to ensure the accuracy and reliability of the information within these web pages. However, information and materials contained within our Web-site are provided "as is". Term.com can make no warranty, guarantee, or promise, express or implied, concerning the content or accuracy of the documents stored and served by this service. Term.com and it's affiliated and subsidiary companies disclaim all warranties, express or implied, including, but not limited to implied warranties of merchantability and fitness for a particular purpose.
While we use reliable sources, and have attempted to be as inclusive as possible, we make no claim to be knowledgeable of, or inclusive of all companies or rates.
The rates displayed on this Web-site are provided by third parties, and are subject to change without notice. Furthermore, while we have made every effort to accurately transcribe the information provided to us, we acknowledge that we may have made errors, and we make no claim as to the accuracy of this information.
Additionally, you may not qualify for some of the listed rates on our Web-site. They are being provided for comparison only, to help you select a policy. There are many factors to be considered, other than premium rates, when deciding upon a life insurance policy. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on our Web-site is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own tax advisor and legal counsel with respect to your specific situation.
In no event shall Term.com and its related, affiliated and subsidiary companies, be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.
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COPYRIGHT NOTICE
Unless otherwise noted, the graphic images, buttons, layout, and text contained within this Web-site are the exclusive property of Term.com and/or its affiliates or the insurance companies represented and may not be copied or distributed, in whole or in part, without the express written consent of Term.com. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use.
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LINKS
Term.com cannot guarantee that the hyperlinks placed on our site will be accurate at the time of your access, Moreover, the sites pointed at by hyperlinks are developed and possibly maintained by person(s) over whom Term.com has no control. We cannot and do not monitor the sites that link to our pages on the Internet. Accordingly, Term.com assumes no responsibility for the content of any site referenced to by any Hyperlink or otherwise. Term.com believes that linking to other publicly accessible Web pages is legally permissible and consistent with the common, customary expectations of those who use the Internet.
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DATA PROTECTION
Term.com is not obligated to monitor any transmission made through the respective Web-sites, search engines and newsgroups. However, Term.com has the right, but not the obligation to monitor any transmission made to and from this Web-site Term.com and may use or disclose information gathered from this site.
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TARGET AUDIENCE
This site is published for some, but not all of the residents of the United States of America. The states that are not included in the target audience are Hawaii, Wyoming due to licensing. These states are subject to chance upon approval.
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PRODUCT RESTRICTIONS
Product subject to underwriting requirements. Suicide limitations apply. Product not available in all states.
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PRODUCT DISCLOSURES
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The following Federal Kemper Life Assurance Company (FKLA) policies are offered by Term.com in respective states.
Federal Kemper Life Assurance Company – Certain-T 10, Certain-T 15, and Certain-T 20 Features:
Minimum face amount is $100,000
Premium rate guaranteed level for 10, 15, or 20 years
Death benefit guaranteed level for the life of the policy
Premier Rate Class offers lowest premiums for healthiest individuals
Preferred and Standard rates also available
Lower rates for non-tobacco users
Lower rates for females (except in unisex states)
Accelerated Death Benefit rider, at no extra premium cost, pays partial benefit early for terminal illness of base plan insured. (not approved in all states)
Certain-T 10-year is non-participating term life insurance to age 95, policy form R-3210, underwritten by Federal Kemper Life Assurance Company (FKLA) a Zurich Kemper Life company, Long Grove, IL 60049-0001. Premier means no tobacco use of any kind in the past 60 months, 36 months for Preferred, Select, and Standard. Premiums include the annual policy fee: $60 for face amounts up to $250,000, $50.00 for $250,000+, $54.00 and $45.00 respectively for companion policies. Suicide and other limits may apply. Forms and policy provisions vary by state. Policy not available in all states. Companion policies not available in New Jersey.
Certain-T 15-year is non-participating term life insurance to age 95, policy form R-3213, underwritten by Federal Kemper Life Assurance Company (FKLA) a Zurich Kemper Life company, Long Grove, IL 60049-0001. Premier means no tobacco use of any kind in the past 60 months, 36 months for Preferred, Select, and Standard. Premiums include the annual policy fee: $60 for face amounts up to $250,000, $50.00 for $250,000+, $54.00 and $45.00 respectively for companion policies. Suicide and other limits may apply. Forms and policy provisions vary by state. Policy not available in all states. Companion policies not available in New Jersey.
Certain-T 20-year is non-participating term life insurance to age 95, policy form R-3224, underwritten by Federal Kemper Life Assurance Company (FKLA) a Zurich Kemper Life company, Long Grove, IL 60049-0001. Premier means no tobacco use of any kind in the past 60 months, 36 months for Preferred, Select, and Standard. Premiums include the annual policy fee: $60 for face amounts up to $250,000, $50.00 for $250,000+, $54.00 and $45.00 respectively for companion policies. Suicide and other limits may apply. Forms and policy provisions vary by state. Policy not available in all states. Companion policies not available in New Jersey.
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Super-T 20-year is non-participating term life insurance to age 95, policy form S-3224, underwritten by Federal Kemper Life Assurance Company (FKLA) a Zurich Kemper Life company, Long Grove, IL 60049-0001. For the 5-year, premiums are guaranteed level for five years, for the 10, 15, 20 or 30 year plans, premiums are guaranteed level for 10 years. Premiums for the 5, 10 , 15, and 20 year plan include the annual policy fee: $60.00 for face amounts up to $250,000, $50.00 for $250,000+, $54.00 and 445.00 respectively for companion policies. The premiums for the 30 year plan include the annual policy fee: $60.00 for face amounts up to $250,000, $50.00 for $250,000+, $48.00 and $40.00 respectively for companion policies. Premier means no tobacco use of any kind in the past 60 months, 36 months for Preferred, Select and Standard. Suicide and other limits may apply. Forms and policy provisions vary by state. Policy not available in all states. Companion policies not available in New Jersey.
