FlexTerm products

Affordable death benefit protection, combined with multiple product choices to meet clients’ conversion needs.

Product details

Term Basic

10-, 15- and 20-year options
Lowest-cost product
Fewer riders, limited conversion options

Term Plus

10-, 15- and 20-year options
Can convert to any permanent product available at the time of conversion

Recap Term

For clients who anticipate higher future income
Cumulative conversion credits years 2-5
Annual conversion credits years 6-10
No credit of substandard premiums

Term Conversions

Term	Conversion Periods*
Term	Expanded	Limited
10 Plus	8	2
15 Plus	12	3
20 Plus	15	5
Recap	10	N/A

* Conversion is only available through the level term period of a policy, or the policy anniversary nearest the insured’s 70th birthday, whichever occurs first. Conversion may only occur on a policy’s monthly anniversary. Available products for conversion are limited to those available in the term life insurance policy’s issue state at the time of conversion.

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Term life illustration software

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Products issued by AuguStar Life Assurance Corporation. Guarantees are based on the claims-paying ability of the issuer. Products, product features, and rider availability vary by state. Issuer not licensed to conduct business in NY.

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AuguStar Life and AuguStar Retirement are members of the Constellation Insurance family of companies, a leading insurance holding company providing protection, retirement income and (re)insurance solutions.

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FlexTerm products

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Term Conversions

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