Premier Term

Midland National's Premier Term life insurance product can provide your client with the death benefit protection they need, at a low rate to fit their budget, with the added value of offering accelerated death benefits for critical, chronic, and terminal illness, available at no extra premium at time of issue.¹

Use these resources to familiarize yourself with premier term and its value-add features.

Agent Materials

Download these materials to share in a meeting, send in a follow-up email or visit Supply Warehouse to order copies to keep on hand!

Consumer Materials

Explore common sales concepts of Premier Term

Business Concepts

Income Protection

Mortgage Protection

Highlights

10, 15, 20, and 30-year level premium guarantee periods, depending on issue age
Accelerated death benefits for critical, chronic and terminal illnesses1
Face amounts starting at $100,000

Key Focuses

Affordable death benefit protection
Term with conversion options

Term Life Insurance Blog Posts

Use these client-freindly blog posts in your social media content or as an additional resource to help clients understand the value of life insurance.

A family bundled up in winter gear take a hike in the woods.

How long should your life insurance coverage last?

When exploring life insurance options, you’ll find several types of policies, which can make it challenging to decide what fits your needs—and how long you should keep coverage.

Term life insurance policies for every milestone

Term life insurance can help protect your family throughout life’s milestones and ensure they have the financial support they need.

How term life insurance conversion works

In the early stages of life, a term life insurance policy may be sufficient for many individuals’ needs. However, as life circumstances change. For those in this position, a possible option may be converting a term life insurance policy to permanent coverage.

1. Accelerated Death Benefits are subject to eligibility requirements.

Guaranteed death benefits are subject to premium payment requirements.

Custom Guarantee UL (policy form series LS185), or state variation including all applicable endorsements and riders, are issued by Midland National^® Life Insurance, West Des Moines, IA. Products, features, riders, endorsement or issue ages may not be available in all jurisdictions. Restrictions or limitations may apply.

The Premium Recovery Endorsement will remain in effect to the 25-year policy anniversary as long as the qualification test is satisfied at each policy anniversary. Generally, the qualification test is met if the gross premiums paid guarantee the policy to at least the insured's attained age of 95, assuming no policy loans are taken. In some instances, additional premium may be required based on underwriting class, table ratings, or flat extras. If the Premium Recovery Endorsement terminates, it cannot be reinstated.

While the primary use of life insurance is death benefit protection, your clients may also have other needs that can be met through life insurance. The sales concepts and accompanying marketing materials on this page may help you broaden your sales potential. As independent contractors, it is up to you to choose which of these concepts may work for your particular sales strategy and clients, and which do not. Please note that Midland National does not require you to use any of these sales concepts; they are resources that can be used at your discretion for your own individualized sales presentations.

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FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

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