Standard/Preferred Table Rated Decline

—

All Carriers

LGA

SBLI

Foresters

AA Term Made Simple

AA Home Protector

Kansas City Life

UHL Deluxe Premier

RNA Jet Term

LGA

Standard or Table Rated · Level Term 10/15/20/30 · ROP 20/30

Term	Issue Ages	Face Amount
10-Year	18–70	Min: $100,000 · Max: $1,000,000
15-Year	18–65
20-Year	18–60
30-Year	18–50

SBLI

Non-Medical & Fully Underwritten

Age Band	Max Face Amount	Notes
Ages 18–40	Up to $1,000,000	Or 20× income, whichever is less
Ages 41–50	Up to $1,000,000	Or 15× income, whichever is less
Ages 51–60	Up to $500,000	Or 10× income, whichever is less
Ages 61–65	Up to $500,000	Or 10× income, whichever is less

Issue ages: 18–65 · Students under 26: up to $100,000 · Retirees over 50: up to $250,000

Foresters

Non-Medical & Fully Underwritten · Preferred / Standard / Modified

Term	Issue Ages	Max Non-Med	Max Medical
10-Year	18–75	Ages 18–55: $400,000	Based on full UW
20-Year	18–65
30-Year	18–55

Min: $10,000

American-Amicable — Term Made Simple

Simplified Issue · Preferred / Standard / Modified

Age Band	Terms Available	Max Face
Ages 18–50	10, 15, 20, or 30-Year	$400,000
Ages 51–60	10, 15, or 20-Year	$300,000
Ages 61–75	10 or 15-Year	$150,000

Min: $50,000

American-Amicable — Home Protector

One tier — simplified issue, non-medical underwriting

Term	Max Issue Age	Face Amount
30-Year	Age 55	$25,000 – $250,000
20-Year	Age 65
10-Year	Age 75

Kansas City Life

Fully Underwritten · Preferred Plus / Preferred / Standard Plus / Standard

Term	Issue Ages	Face Amount
10-Year	18–70	Min: $100,000 · Max: subject to UW
15-Year	18–65
20-Year	18–60
30-Year	18–50

UHL — Deluxe Premier Term

Single-tier simplified issue · Pass/fail decision

Term	Max Issue Age	Face Amount
30-Year	Age 55	Min: $25,000 · Max: typically up to $300,000 (lower for older ages)
20-Year	Age 65
15-Year	Age 70
10-Year	Age 75

Royal Neighbors — Jet Term

Simplified Issue · Designed for healthier clients

Term	Issue Ages	Face Amount
10-Year	18–60	$25,000 – $250,000
15-Year	18–60
20-Year	18–60
30-Year	18–50 only

No major medical impairments — designed for healthier clients

LGA

✔

U.S. Citizen

Eligible

✔

Permanent Resident (Green Card)

Eligible

✗

Foreign Nationals

Not eligible

SBLI

✔

U.S. Citizen

Eligible

✔

Permanent Resident (Green Card)

Eligible

~

Foreign Nationals

Must have been a U.S. resident for at least 2 years

Foresters

✔

U.S. Citizen

Eligible

✔

Permanent Resident (Green Card)

Eligible

~

Foreign Nationals

Valid Visa + SSN or ITIN required. Additional docs may be required.

American-AmicableTerm Made Simple & Home Protector

✔

U.S. Citizen

Eligible

✔

Permanent Resident (Green Card)

Eligible

~

Foreign Nationals

Valid SSN/ITIN + U.S. address and residency required

Kansas City Life

✔

U.S. Citizen

Eligible with valid SSN or ITIN; must reside in the U.S.

✔

Lawful Permanent Resident

Eligible with valid SSN or ITIN

✗

Foreign Nationals

Typically not eligible

UHL — Deluxe Premier Term

✔

U.S. Citizen

Eligible

✔

Permanent Resident (Green Card)

Eligible

✗

Foreign Nationals / Undocumented

Not eligible

Royal Neighbors — Jet Term

✔

U.S. Citizen

Eligible with SSN

✔

Permanent Legal Resident

Eligible with SSN

✗

Foreign Nationals

Not eligible

LGA

FREE

Accelerated Death Benefit (Living Benefits)

FREE

LegacyShield® Access — digital tools for document storage, final wishes, estate planning

OPT

Waiver of Premium (available in some states)

OPT

Children's Term Rider

OPT

Conversion Option — to permanent policy (age limits apply)

SBLI

FREE

Accelerated Death Benefit Rider

FREE

Charitable Giving Rider

FREE

Unemployment Waiver of Premium Rider

OPT

Children's Level Term Rider — $5,000 or $10,000 per child; ages 15 days–23 years; convertible to permanent up to 5× rider face; $12/yr per $1,000

OPT

Accidental Death Benefit Rider — increments of $25,000; up to lesser of $250,000 or half base; issue ages 18–60

Foresters

FREE

Accelerated Death Benefit Rider

FREE

Charity Benefit Provision

OPT

Children's Term Rider

OPT

Accidental Death Rider

OPT

Waiver of Monthly Deductions Rider

OPT

Common Carrier Accidental Death Rider

OPT

Guaranteed Insurability Rider

OPT

Disability Income Rider (select states)

American-Amicable

Term Made Simple

FREE

Terminal Illness Accelerated Benefit Rider

OPT

Accidental Death Benefit Rider

OPT

Children's Insurance Rider

OPT

Waiver of Premium Rider

OPT

Critical Illness Rider (some states)

American-Amicable

Home Protector

OPT

Accelerated Living Benefit Rider (Terminal, Chronic, Critical Illness)

OPT

Accidental Death Benefit Rider

OPT

Waiver of Premium

OPT

Children's Term Rider

OPT

Grandchild Term Rider

OPT

Nursing Home Waiver

Kansas City Life

OPT

Accelerated Death Benefit Rider

OPT

Accidental Death Benefit Rider

OPT

Child Rider

OPT

Waiver of Premium Rider

Convertible to permanent life insurance up to age 70. Guaranteed level premiums throughout term.

UHL — Deluxe Premier Term

OPT

Accelerated Living Benefit Rider (Chronic, Terminal)

OPT

Waiver of Premium for Disability

OPT

Children's Term Rider

Royal Neighbors — Jet Term

OPT

Terminal Illness Accelerated Benefit

OPT

Accidental Death Benefit Rider

OPT

Child Rider

OPT

Waiver of Premium Rider

OPT

Conversion Option (to permanent policy)

Build Charts — Coming Soon Build charts for Term Life carriers will be added once documents are available. Contact your carrier representative for current height/weight guidelines.

Term Life — Underwriting Quick Reference

LGA

SBLI

Foresters

American-Amicable — Term Made Simple

American-Amicable — Home Protector

Kansas City Life

UHL — Deluxe Premier Term

Royal Neighbors — Jet Term

LGA

SBLI

Foresters

American-Amicable

American-Amicable

Kansas City Life

UHL — Deluxe Premier Term

Royal Neighbors — Jet Term