A family’s togetherness provides security and strength. Finding an affordable way to protect that bond is important. Between soccer practice and getting dinner on the table and still fitting in a date night, life insurance coverage easily falls to the wayside if its need is underestimated.

Gleaner Life Family Term treats your household as it ought to be treated: as one, unified family. By bundling riders, you can economically protect your spouse or your children with the simplicity of a single certificate and premium payment. The other insured rider* provides up to $250,000 of coverage for your spouse for as little as $2.50 for the first year. The children’s term rider* provides your children with the gift of guaranteed future insurability and up to $50,000 of current life insurance protection for only $5 for the first year. Both riders allow for conversion to permanent cash value insurance. In the event of divorce, death or disability, your spouse has the option to exchange the other insured rider for his or her own term certificate, allowing them to maintain affordable coverage. In addition, by electing the Waiver of Premium rider, Gleaner will waive the obligation to pay premiums if the primary insured becomes disabled.¹

Product Features:

• Minimum death benefit: $50,000

• Maximum death benefit: none (subject to Home Office approval)

• Accelerated Death Benefit: In the event of a terminal illness, this feature allows the primary insured to receive up to 50% of the certificate’s death benefit in advance (subject to a maximum of $500,000). Included at no additional charge.

• Conversion Privilege: This valuable benefit allows you to convert your certificate to a Gleaner permanent cash value insurance certificate before age 71 without proof of insurability. Included at no additional charge.

• Children's Term Rider: Term life coverage for a child, stepchild or adopted child.

• Other Insured Rider: Term life insurance coverage for a spouse.

• Exchange Privilege: This unique feature allows a spouse covered with the Other Insured Rider to exchange the rider for their own term life certificate in the event of the insured's death, disability or a divorce.