Why we like it:
A most unique Permanent Level Term product for
- Anyone between the ages of 18 – 74
- Those with health concerns
- Wanting final expense protection
- For anyone who wants an easy, quick, up-to $20,000 level term plan with an additional $20,000 AD&D coverage.
- Only 3 easy on-line health questions – INSTANT issue!
- No terminal illness
- No hospital, hospice, or assisted living confinement
- Able to work 20 hours a week (does NOT have to be employed – just able to work in any capacity)
Please click here to explore more about your permanent level term life insurance and find answers to common questions.
Good for:
- Worldwide protection while traveling or living outside the U.S.A! – There are no restrictions due to the duration / time period of the travel or living outside the USA!
- You may purchase your perm term 20 from anywhere in the U.S., except if you live in Washington State and North Carolina.
- You may purchase your perm term 20 if you are an expatriate living outside the U.S. as long as you have a U.S. address.
- All you need to apply and purchase is – answer 3 questions, have a U.S. address, U.S. Social Security # and have a major U.S. credit card
More about this Permanent Level Term Life Insurance
Only answer 3 easy online questions – instant issue!
- No terminal illness question
- No hospital, hospice, or assisted living conferment question
- Able to work 20 hours a week (does NOT have to be employed – just able to work in any capacity) question
Membership-based Guaranteed Issue $20,000 Term Life and $20,000 Accidental Death and Dismemberment (AD&D)
- AD&D starts the first month active
- Term life insurance starts on month 13
Family option –
- $10,000 term life and $10,000 AD&D for spouse
- $5,000 term life and $5,000 AD&D for each child
Fixed premium ages 18-39 –
- Single member: $49.95 per month
- Family Option: $89.95 per month (all ages)
Fixed premium 40-54 –
- Single member: $54.95 per month
- Family option: $89.95 per month (all ages)
Fixed premium 55 – 74
- Single member: $59.95 per month
- Family option: $89.95 per month (all ages)
One time enrollment fee of $25 with your first initial payment
Questions and Answers
Question 1 – Do I have to be in the U.S. physically to sign up and have my policy become active?
Answer 1 – No, you do not have to be in the U.S. physically to sign up. Any U.S. citizen or resident with a SS# can apply. Plan is available in 48 States. If you are currently residing outside the U.S. you will need to use your stateside address and pay the monthly premium with a U.S. credit card – VISA, MC. AMEX or Discover.
Question 2 – May I purchase this perm term life 20 online.
Answer 2 – Yes, you may purchase by clicking “get a quote” or “buy online” button on this web page and once completed and paid for, you will also receive all your policy information via email.
Question 3 – How many questions to do I have to answer to purchase?
Answer 3 – There are 3 easy questions and as long as you answer no to each, you will be able to purchase. You will receive all your policy documentations, in a matter of minutes, via email once your credit card payment goes through.
Question 4 – Does the “Perm Term 20” go into effect right away & who is the insurer?
Answer 4 – Members Accidental Death and Dismemberment benefits are effective immediately on the individual members plan effective date. The Term Life benefits for death due to natural cause will go into effect after just a 1 year modified death benefit period for non-accidental death. Group Term Life coverage under EMA Group Master Policy is issued and insured by Colonial Life & Accident Insurance Company (rated “A” Excellent).
If a member can answer NO to all 3 questions, coverage will be effective on the 1st of the next month following the member’s completed enrollment. Individuals MUST enroll and submit 1st payment by the 20th of each month to insure an effective date of the 1st of the next month. Effective dates for enrollments after the 20th will NOT be the 1st of next month but the 1st of the following month.
Here at Good Neighbor Insurance it is very important for us to connect with you.
As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!