Terminal illness benefit rider: This rider allows you to receive the lesser of 40% of the death benefit or $250,000 when you’re still alive - provided that you were diagnosed with a terminal illness.Primerica also offers a variety of riders you can add to your policy to customize your coverage. So if you need better financial protection and peace of mind, Custom Advantage could be worth considering. However, this extra time and effort could be worth it since qualifying applicants can often receive over $1 million in coverage. Instead of making applicants go through the traditional underwriting process, this policy uses quick data checks so applicants can obtain coverage faster (sometimes within minutes.) Keep in mind that TermNow’s coverage is limited to $300,000.Ĭustom Advantage: Unlike TermNow, this policy requires a medical exam and has a more complicated underwriting process that can take up to a few weeks. TermNow: TermNow is Primerica’s no medical exam life insurance policy. Here’s a closer look at Primerica life insurance’s products to help you find the most suitable plan for your particular situation. There are also no terror or war exclusion clauses on either policy, which means beneficiaries can receive full benefits when an insured is killed in war or by acts of terrorism. These policies both have a term duration of up to 35 years and are renewable until age 95 without needing a new application or health exam. Primerica offers two types of term life insurance: TermNow and Custom Advantage. With over four decades of service, Primerica has insured more than 5 million people across North America. Based in Duluth, Georgia, the company offers term life insurance to customers across the nation (including Guam and Puerto Rico) and Canada. Primerica is a life insurance company that has been in business since 1977. Limited product information on the website.Policies do not build cash value or pay dividends.

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