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PTWL65 is new term life insurance product designed to provide Americans and their families life insurance protection throughout their working years and help ensure their coverage remains in place by waiving premium payments in the event of unemployment or a disability.
PTWL65 provides peace of mind with built-in benefits. In the event of a disability before age 65, the premiums are waived until the insured recovers or turns age 65, whichever is first. The one-time unemployment benefit waives one continuous year of premiums (terms and conditions apply).
“The reality for most Americans is they may be out of a job at some point during their working careers or they may not be able to work because of a disability. " This product sets out to help families keep their insurance coverage in place when they may need it most.”
PTWL65 policy-owners can convert their existing term policy to permanent insurance at any time up to age 65 without having to go through additional medical testing.

“Offering up to 40 years of coverage, PTWL65 can provide a ‘once and done’ approach to providing insurance protection for working Americans. With the flexibility and ability to continue coverage in the event of a disability or unemployment, individuals avoid having to pay significantly higher premiums for the same coverage if the policy lapsed and they needed to purchase life insurance later in life.”