YEARLY RENEWABLE CONVERTIBLE TERM LIFE INSURANCE

PREMIUM CALCULATION INSTRUCTIONS:

1. Click on one of the the links below to get a rate table in pdf format, find your age in the columns marked “Issue Age”
2. Move across that row until you reach your sex and nicotine use designation: (i.e., Male Nonsmoker, Male Smoker, Female Nonsmoker, Female Smoker)
3. Multiply the resulting dollar value per $1,000.00 by the number of thousands of face value coverage that you desire
4. Add $25 to the resulting amount
5. This is your annual premium

                   Age: 16-64             Age: 65-98

PREMIUM MODE CALCULATION OTHER THAN ANNUAL:

1. Monthly Premium Payments – multiply the annual premium calculated above by .09.
2. Quarterly Premium Payments - multiply the annual premium calculated above by .265.
3. Semi-Annual Premium Payments - multiply the annual premium calculated above by .52

FOR COVERAGE: HAVE PROVIDENCE COMPLETE AND PROCESS AN  APPLICATION FOR YOU: (Contact Us)

TO SUBMIT A PRELIMINARY APPLICATION:

1. Click the Forms and Applications link on the left.
2. Print off a Life Application.
3. Fill it out by printing or typing (do not hesitate to leave portions blank; they can be explained to you during the formal application process).
4. On the right side of the first page, write the type of insurance you would like and the face value – i.e. Amount of Insurance.
5. Answer No to the Riders and simply add the premium amount you calculated and the associated mode (frequency – monthly, annually, etc.) that you have elected.
6. Mail the application to us: the address appears above.
7. You are also encouraged to communicate with your local branch secretary or with one of our Local Agents to which you can link from the left.
8. Someone will communicate with you in order to finalize the process, to obtain additional information and to finalize the application.

QUESTIONS OR COMMENTS: (Contact Us)

NEED ASSISTANCE: (Contact Us)