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Term Products
Whether you need low face amounts, non-med, unique rider features, or can-do underwriting on high face amounts, EMI has the term carrier you need!
ForestersTM- The new opportunity! Never before offered in the United States, this fraternal company offers Lifefirst, Level Term Life Insurance with optional living benefits and standard protection features at no additional premium!
American General - Fully Underwritten from $50,000 and the new Select-A-Term from AIG allows you tailor the term plan to the exact period needed!
American General ROP - Loan feature with cash value available at Year 6 and DI with no additional underwriting! View ROP Product Guide here!
Banner Life - Term To Age 90, REDUCED RATES, Subtandard tables on Standard Plus class saves your clients money! View Product Guide and Underwriting Criteria here!

ING Reliastar Term Smart - Exceptional rates at high face amounts
John Hancock - Very competitive term pricing on a brand new term portfolio from this A++ rated carrier that allows chewers and dippers to qualify for Non-tobacco Rates!
North American Company - Competitive rates!
People's Benefit Life - Non Med and Easy Issue
RBC/Liberty Life- The leader in tobacco rates on 10 and 20 year fully guaranteed Level Term and the only on-line app process!
Security Mutual Life of New York - Very competitive tobacco and Non-tobacco rates from a Mutual Company!
The Chesapeake Life Insurance Company - NON-MED to $200,000, DI RIDER, ROP RIDER, CRITICAL ILLNESS, FIXED INCOME OPTION!
United Home Life Insurance Company- 4 HEALTH QUESTIONS, $1,000 MINIMUM FACE, Guaranteed Issue Accidental Death policy!
United of Omaha - Term Express Non Med Mortgage Term with HIGH COMP!
Don't see the product you are looking for? Call our Marketing and Sales office at 1-800-626-7294 or email us at marketing@emimktg.com Or Click here to see all of the companies EMI represents!
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