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Paperwork-Free Application At RBC ExpressTERM.com, you can apply for your term
life insurance coverage completely online. From start to finish,
everything you need to protect your family can be achieved from the
comfort and privacy of your home or office computer.
Same-Day Coverage We
believe in rewarding our customers for their commitment to their family's
future by giving them coverage immediately. That means, once you get your free quote, complete the online
application, and are accepted for coverage, your term life insurance will
become effective the same day. This unique, one-of-a-kind approach not
only leaves you with immediate satisfaction but also immediate protection
for your family.
Generous Coverage Amounts Whether you need $25,000 or $150,000 in coverage, you
can get what you want in little or no time at all.* The coverage amount you choose depends on
what you can afford and what your family will need in the event that your
death occurs. While it’s unpleasant for some of us to consider, not
considering buying term life insurance might be even worse. Without the
right coverage, your family could be left with mortgages, bills, and car
loans that could leave them unable to pay on their own without ravaging
existing savings or retirement plans previously earmarked for other needs.
Optional Childrens Insurance Rider If you have children, you may want to consider
enrolling them in the Optional Childrens Insurance Rider. This Optional
Rider pays a benefit of $10,000 and these benefits, as well as the premium
amount, are guaranteed for the life of the term (up to the insured childs
25th birthday** ). You can enroll for this
surprisingly affordable coverage during your online application process.
This coverage is available if your child is 0 through 18 years of age, and
the primary insured is 18 through 55 years of age on a 10 or 15 year term
and 18 through 50 years of age on a 20 year term.
Optional Accidental Death Insurance Rider Every five minutes - about the time it takes to pay
your monthly bills - someone in America dies because of an unexpected
accident. That's 278 families each and
every day that are left grieving the loss of a loved one - and dealing
with the financial impact of the loss. To further protect your family, the
Optional Accidental Death Insurance Rider pays an additional benefit equal
to your RBC ExpressTERMTM policy to help
your family in their particularly devastating time of need. The addition
of this Rider will cost only pennies more per day, so you may want to
consider adding on to your term life insurance coverage.
No Medical Exams - Just Answer a Few Health
Questions Finally its possible to buy
affordable term life insurance without a medical exam! Many people
postpone buying term life insurance, not because their health is bad, but
because they're uncomfortable with the idea of the often required medical
exam. Because term life insurance should be an important part of every family's financial plan, this site features the ability to buy generous
amounts of term life insurance without taking a medical exam. A few simple
questions will be asked about your health to see if you qualify.
Managing Your Coverage Online Once your coverage has been issued, you can manage
your coverage online by using your convenient, secure online account. The
online account allows you to update your family's information.
31-Day Free Look Period Once your policy is issued, you have a full 31 days
to decide if its right for you. If for any reason at all, you decide
against having this coverage in place, you may return the policy and
receive a full refund, no questions asked.
Benefits Do NOT Decrease The benefit amount you select today will always be
the benefit amount your family can expect if your policy remains in force.
Liberty Life Insurance Company will never reduce your benefits or cancel
your policy unless you do it yourself.
Premiums Do NOT Increase Your premiums for the coverage in which you initially
enroll will never increase in price for the life of the term. Your
premiums are guaranteed as long as your coverage remains in force and is
not cancelled by you.
About Liberty Life Insurance Company You'll be glad to know that the term life insurance
product featured on this site is provided by Liberty Life Insurance
Company, whose financial strength and operating performance has been rated
"A" (Excellent) by A.M. Best. "A" (Excellent) rating is the third highest
rating out of 16 possible ratings by A.M. Best.
*Coverage subject to
underwriting and approval. ** State variations may apply. ***2004 Injury Facts,
National Safety Council.
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