Security and Options for Families and Businesses

Termsetter ROP

WHAT’S NEW

Cincinnati Life has updated its Termsetter ROP rates, issue ages and conversion provision. 
 
Termsetter ROP is convertible to an eligible permanent insurance product at the end of the guaranteed term period or the policy anniversary following the insured’s 70th birthday, whichever occurs first, without providing health information or proof of insurability.
 
Our upper age limits for each term period also are extended, providing even more options for your clients. 
  • 20 Year: ages 18-65
  • 25 Year: ages 18-60
  • 30 Year: ages 18-55

KEY FEATURES

Want a money-back guarantee? With the return of premium feature built into the policy, your client’s base premiums are returned at the end of the guaranteed term period provided the policy is in force and the insured is still living. Rider and substandard premiums are not returned. Consider these standard features:

  • Guaranteed level death benefit
  • Guaranteed level premiums for duration of specified term period
  • Avocation and occupation ratings available on Standard Plus underwriting classification
  • Issue age based on the applicant’s actual age versus nearest age
TERMSETTER ROP FOR BUSINESS AND PERSONAL NEEDS

Termsetter ROP can provide the necessary funds to help your clients with:

  • Mortgage and loan protection
  • Education expenses
  • Key-person protection
  • Loan collateralization

CONSUMER MATERIALS

LEARN MORE

Learn more about Cincinnati Life advantages and other available products.

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Life insurance can protect family from college debt Read More

Protection for the present, options for the future Read More

Agent Information Only