Make your term coverage even stronger
with an AARP Term Rider Protect Plus
from New York Life Insurance Company
Life changes all the time. Why shouldn't your life insurance keep up? 这个术语骑手是一个伟大的方式，以获得额外的保护，当你最需要它.
查看您的个人费率报价，并选择您的附加保险金额.
添加一个条款附加条款可以为那些依赖你的人带来很大的不同.
并不总是需要重大的改变或生活事件来让你的报道不足. Consider your current coverage amount, 还有一些你所爱的人可能需要资金来做的事情. 你的保险可能太低了——特别是在你的财务状况发生变化和生活成本随着时间的推移而上升的情况下. 很容易理解为什么添加一个条款附加条款对你和你所爱的人来说可能是最明智的举动.
Get up to DOUBLE your coverage ... or choose what's right for you.
你知道什么最适合你、你爱的人以及你的预算. 所以选择最适合你独特需求的添加量.
申请起来很容易——不需要体检，只需要健康信息.
You can apply in a few minutes, all from home. Acceptance is based on your answers to a few health questions, 以及您提供或允许bet356亚洲版体育在线获得的其他信息.
It's all billed right along with your current term coverage. One easy payment to manage.
To keep things easy, 增加的保费将在你目前支付的相同发票上或自动支付. 费率增加的骑手也发生在相同的五年年龄区间与您现有的期限覆盖.
Apply nowKeep the coverage until age 80. Or exchange it for whole life and keep it as long as you live.
这种额外的团体保护是为了在你最需要它的时候出现而设计的. Just pay premiums when due, 确保你的申请没有任何关于你的医疗历史的重大错误陈述, and keep your current term insurance in place.
Need the added coverage for longer? Exchange it for permanent life insurance at any time. Your rate will be based on your age at that time.
Get the important added coverage features you can count on.
这个附加条款包括一项生活福利，如果你被诊断出患有绝症，并且预期寿命为24个月或更少，你可以得到你福利金额的一半.1 它还提供了一种保费豁免，对你的医生要求的某些合格的养老院分娩. 如果你连续180天按医嘱去养老院，你的保费将被免除.2
Apply now
Questions about Term Rider Protect Plus? See our Frequently Asked Questions for answers.
Exclusion: 如果在头两年内因自杀而死亡，则不发放福利金. 对于密苏里州和北达科他州的居民来说，自杀排除条款也适用 year. In Washington, specific state rules apply.
1 请注意，领取“生前福利”(加速死亡福利)保险可能会影响你申请公共援助计划的资格. Proceeds may be taxable. 您可能希望咨询您的财务顾问和/或律师，以确定这可能如何影响您的个人情况. Premiums will be lower when the benefit amount decreases by one-half.
2 疗养院必须主要在执业医师的监督下提供熟练的护理. Nursing home does not include a home or facility used primarily for rest; for the care of drug addicts or alcoholics; for the care and treatment of mental diseases or disorders; or for custodial care.