Term Life SafeGuard

132 million Americans -- 40% of the U.S. population --
rely on life insurance to protect their financial security.1

Product Information

Budget-friendly life insurance coverage for a select number of years.

Term Life SafeGuard offers budget-friendly life insurance coverage for a select number of years to help your clients' loved ones through a time of loss or critical illness.

Icon Hospital Chart 5 Benefit Levels:
$30,000• $25,000 • $50,000 • $75,000 • $100,000 
Optional Critical Illness Benefit
5 Benefit Amount Options:
$15,000 • $25,000$50,000$75,000$100,000
Icon Calendar
2 Policy Lengths:
10 year (issue age 18-59) or 20 year (issue age 18-49) 
The Critical Illness cash benefit can be used to help with expenses like time away from work, child care, household expenses and bills, and transportation/lodging to seek treatment. The benefits paid from the Critical Illness benefit are deducted from the Term Life benefit.  
1Facts from Limra, September 2015
2In Illinois, the Term Life benefit must be double the Critical Illness benefit.
Product Availability by State  
Watch a brief video to learn more about Term Life SafeGuard


Let us be the secret to your success!
Start here with these sales tips to help you with
your next client quote.

Sales Tips

We want you to be successful and feel prepared to present our product portfolio to your clients.
Use these Sales Tips to grow your Term Life business.

Target single income households and young families for Term Life insurance products. Both of these groups would be at risk if their primary source of income disappeared. 
            Has your client recently experienced a changing life event?
            ·   Change in marital status
            ·   Birth of a child / grandchild
            ·   Home purchase
            ·   Retirement
            ·   Change in employment
            These types of events often get people thinking about the security of their future.
            Use this as an opportunity to introduce our budget-friendly Term Life insurance
            products that require no medical exam.  


When is the right time to offer a certain product?
How does it compare to other options?
We have the answers right here.

Product Positioning

We know your clients have a choice of products to meet their needs. That’s why we want to share a
few ways our Term Life SafeGuard product may be the best option for your client.

·       Would your clients' families be financially secure in the event of their death? A Term Life
       insurance plan can help ease the financial impact of a loss in the family.
·       At the end of the initial policy term, Term Life policies can be renewed annually until the
       insured's 75th birthday.
·       No medical exams are required. Term Life SafeGuard products use simple underwriting
       questions to determine your client's eligibility.
·       Just 44% of U.S. households had life insurance in 2010. This opens you up to a lot of potential
       clients with a need for life insurance!1 (Source - LIMRA's Trends in Life Insurance Ownership) 

1LIMRA’s Trends in Life Insurance Ownership

Not for consumer use. Golden Rule Insurance Company is the underwriter and administrator of these plans.

Most products and services are underwritten by Golden Rule Insurance Company or Oxford Health Insurance, Inc.
References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.
Administrative services are provided by United Healthcare Services, Inc.
UnitedHealthOne is a brand name that represents a portfolio of insurance options for individuals and families.
All products require separate applications. Separate policies or certificates are issued. Medical plans are medically underwritten– see the product brochures and applications.
Product availability varies by state.
Not for Consumer Use 
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