{"id":2247,"date":"2022-03-14T19:56:37","date_gmt":"2022-03-15T00:56:37","guid":{"rendered":"https:\/\/healthdepotassociation.com\/awa-plans\/?page_id=2247"},"modified":"2022-03-15T11:43:32","modified_gmt":"2022-03-15T16:43:32","slug":"term-life-insurance-benefits","status":"publish","type":"page","link":"https:\/\/healthdepotassociation.com\/awa-plans\/term-life-insurance-benefits\/","title":{"rendered":"Term Life Insurance Benefits"},"content":{"rendered":"<div id=\"pl-2247\"  class=\"panel-layout\" ><div id=\"pg-2247-0\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2247-0-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2247-0-0-0\" class=\"so-panel widget widget_black-studio-tinymce widget_black_studio_tinymce panel-first-child\" data-index=\"0\" ><div class=\"textwidget\"><p><img class=\"alignright wp-image-2994\" src=\"https:\/\/healthdepotassociation.com\/awa-plans\/wp-content\/uploads\/awa-plans\/AWA_term-life-insurance.jpg\" alt=\"term life insurance\" width=\"300\" height=\"450\" \/>If you do not currently have term life insurance benefits, AWA can help. With various programs available, every member can find the coverage that works best for them. Keep reading to learn more about this type of coverage and the available options, then contact us for more information about signing up.<\/p>\n<\/div><\/div><div id=\"panel-2247-0-0-1\" class=\"so-panel widget widget_black-studio-tinymce widget_black_studio_tinymce\" data-index=\"1\" ><h3 class=\"widget-title\">Guaranteed Issue Term Life Insurance Benefits<\/h3><div class=\"textwidget\"><p>Primary members of AWA have access to guaranteed-issue term life insurance benefits. No medical information is required for approval or to sign up. Some of our offered life insurance benefits include an accelerated death benefit in which coverage applies at 50% up to $7,500 with a 12-month life expectancy.<\/p>\n<\/div><\/div><div id=\"panel-2247-0-0-2\" class=\"so-panel widget widget_black-studio-tinymce widget_black_studio_tinymce\" data-index=\"2\" ><h3 class=\"widget-title\">Choose the Coverage Option That Works Best for You<\/h3><div class=\"textwidget\"><p>We offer five coverage options:<\/p>\n<ul>\n<li>$5,000<\/li>\n<li>$10,000<\/li>\n<li>$12,500<\/li>\n<li>$15,000<\/li>\n<li>$20,000<\/li>\n<\/ul>\n<p>All of the term life insurance benefits available to AWA members are underwritten by either Amalgamated Life Insurance Company or Guarantee Trust Life Insurance Company, both long-standing, A-rated carriers.<\/p>\n<\/div><\/div><div id=\"panel-2247-0-0-3\" class=\"so-panel widget widget_black-studio-tinymce widget_black_studio_tinymce\" data-index=\"3\" ><h3 class=\"widget-title\">AWA Memberships with Term Life Benefits<\/h3><div class=\"textwidget\"><p>The <a href=\"https:\/\/awaplans.com\/products\/awa-healthguard\/\" target=\"_blank\" rel=\"noopener\">AWA HealthGuard membership<\/a> includes valuable discounts and special offers on various consumer, business, and health care programs and services along with Accident and Sickness Limited Benefit insurance to help with out-of-pocket medical expenses. Additionally, the AWA HealthGuard Max membership includes Term Life insurance.<\/p>\n<p>The AWA <a href=\"https:\/\/healthdepotassociation.com\/awa-plans\/products\/awa-life-plus-add\/\" target=\"_blank\" rel=\"noopener\">Life Plus ADD<\/a> membership provides access to Term Life and Accidental Death &amp; Dismemberment insurance benefits, which can help in the event of an unexpected accident.<\/p>\n<p>AWA <a href=\"https:\/\/healthdepotassociation.com\/awa-plans\/products\/life-plus-triad\/\">Life Plus Triad<\/a> provides individuals and families with affordable access to health care with easy-to-use benefits that start right away, like Term Life, Critical Illness, and Accidental Death &amp; Dismemberment.<\/p>\n<p>AWA <a href=\"https:\/\/healthdepotassociation.com\/awa-plans\/products\/awa-basicguard\/\" target=\"_blank\" rel=\"noopener\">BasicGuard<\/a> gives members access to Group Term Life Insurance benefits with Accident Only benefits during the 6 month waiting period and full benefits after the waiting period ends.<\/p>\n<p>&nbsp;<\/p>\n<\/div><\/div><div id=\"panel-2247-0-0-4\" class=\"so-panel widget widget_black-studio-tinymce widget_black_studio_tinymce\" data-index=\"4\" ><h3 class=\"widget-title\">What is Term Life Insurance and How Does it Work?<\/h3><div class=\"textwidget\"><p>In term life insurance, the insured pays a premium for a certain period of time (generally ten to thirty years). If the covered party dies during that time, the policy's beneficiary receives a cash benefit.<\/p>\n<p>Generally speaking, term life insurance is more affordable than permanent whole life insurance. However, term policies do not have cash value, do not pay out anything after the policy's term expires, and are limited to a death benefit.<\/p>\n<p>In addition to being more affordable, term life insurance premiums are consistent throughout the life of the policy, and the money the beneficiary receives is typically tax-free (unless the insured pays through pre-tax dollars).<\/p>\n<\/div><\/div><div id=\"panel-2247-0-0-5\" class=\"so-panel widget widget_black-studio-tinymce widget_black_studio_tinymce panel-last-child\" data-index=\"5\" ><h3 class=\"widget-title\">What Are the Different Types of Term Life Insurance?<\/h3><div class=\"textwidget\"><p>There are numerous types of term life insurance on the market, including the following.<\/p>\n<h3>Level Premium<\/h3>\n<p>Also referred to as \"level term,\" this is the most common type of coverage. In it, a person's premium and coverage will remain the same throughout the years of coverage.<\/p>\n<h3>Yearly Renewable Term<\/h3>\n<p>As the name implies, this term life insurance protects you for one year at a time. At the end of each year, the insured has the option to renew without going through a medical exam. However, as the years go on, the price of the policy goes up.<\/p>\n<\/div><\/div><\/div><div id=\"pgc-2247-0-1\"  class=\"panel-grid-cell\" ><div id=\"panel-2247-0-1-0\" class=\"so-panel widget widget_gform_widget gform_widget panel-first-child panel-last-child\" data-index=\"6\" ><div class=\"landingpage__form landingpage__formdesktop panel-widget-style panel-widget-style-for-2247-0-1-0\" ><h3 class=\"widget-title\">I want more information!<\/h3>\n                <div class='gf_browser_gecko gform_wrapper gform_legacy_markup_wrapper gform-theme--no-framework' data-form-theme='legacy' data-form-index='1' id='gform_wrapper_3' ><style>#gform_wrapper_3[data-form-index=\"1\"].gform-theme,[data-parent-form=\"3_1\"]{--gform-theme-color-primary: #204ce5;--gform-theme-color-primary-rgb: 32, 76, 229;--gform-theme-color-primary-contrast: #fff;--gform-theme-color-primary-contrast-rgb: 255, 255, 255;--gform-theme-color-primary-darker: #001AB3;--gform-theme-color-primary-lighter: #527EFF;--gform-theme-color-secondary: #fff;--gform-theme-color-secondary-rgb: 255, 255, 255;--gform-theme-color-secondary-contrast: #112337;--gform-theme-color-secondary-contrast-rgb: 17, 35, 55;--gform-theme-color-secondary-darker: #F5F5F5;--gform-theme-color-secondary-lighter: #FFFFFF;--gform-theme-color-outside-control-light: rgba(17, 35, 55, 0.1);--gform-theme-color-outside-control-light-rgb: 17, 35, 55;--gform-theme-color-outside-control-light-darker: rgba(104, 110, 119, 0.35);--gform-theme-color-outside-control-light-lighter: #F5F5F5;--gform-theme-color-outside-control-dark: #585e6a;--gform-theme-color-outside-control-dark-rgb: 88, 94, 106;--gform-theme-color-outside-control-dark-darker: #112337;--gform-theme-color-outside-control-dark-lighter: rgba(17, 35, 55, 0.65);--gform-theme-color-inside-control: #fff;--gform-theme-color-inside-control-rgb: 255, 255, 255;--gform-theme-color-inside-control-contrast: #112337;--gform-theme-color-inside-control-contrast-rgb: 17, 35, 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3px;--gform-theme-font-size-secondary: 14px;--gform-theme-font-size-tertiary: 13px;--gform-theme-icon-control-number: url(\"data:image\/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gform-theme-icon-control-select: url(\"data:image\/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gform-theme-icon-control-search: url(\"data:image\/svg+xml,%3Csvg version='1.1' xmlns='http:\/\/www.w3.org\/2000\/svg' width='640' height='640'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gform-theme-control-border-color: #686e77;--gform-theme-control-size: var(--gform-theme-control-size-md);--gform-theme-control-label-color-primary: #112337;--gform-theme-control-label-color-secondary: #112337;--gform-theme-control-choice-size: var(--gform-theme-control-choice-size-md);--gform-theme-control-checkbox-check-size: var(--gform-theme-control-checkbox-check-size-md);--gform-theme-control-radio-check-size: var(--gform-theme-control-radio-check-size-md);--gform-theme-control-button-font-size: var(--gform-theme-control-button-font-size-md);--gform-theme-control-button-padding-inline: var(--gform-theme-control-button-padding-inline-md);--gform-theme-control-button-size: var(--gform-theme-control-button-size-md);--gform-theme-control-button-border-color-secondary: #686e77;--gform-theme-control-file-button-background-color-hover: #EBEBEB;--gform-theme-field-page-steps-number-color: rgba(17, 35, 55, 0.8);}<\/style>\n                        <div class='gform_heading'>\n                            <p class='gform_description'>To be contacted by an AWA representative for your membership needs, including health insurance, fill out the form below.<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data'  id='gform_3'  action='\/awa-plans\/wp-json\/wp\/v2\/pages\/2247' data-formid='3' >\n                        <div class='gform-body gform_body'><ul id='gform_fields_3' class='gform_fields top_label form_sublabel_below description_below'><li id=\"field_3_1\"  class=\"gfield gfield--type-text gfield_contains_required field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_3_1\"><label class='gfield_label gform-field-label' for='input_3_1' >First Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_3_1' type='text' value='' class='medium'   tabindex='1'  aria-required=\"true\" aria-invalid=\"false\"   \/> <\/div><\/li><li id=\"field_3_2\"  class=\"gfield gfield--type-text gfield_contains_required field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_3_2\"><label class='gfield_label gform-field-label' for='input_3_2' >Last Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_2' id='input_3_2' type='text' value='' class='medium'   tabindex='2'  aria-required=\"true\" aria-invalid=\"false\"   \/> <\/div><\/li><li id=\"field_3_7\"  class=\"gfield gfield--type-text field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_3_7\"><label class='gfield_label gform-field-label' for='input_3_7' >Business Name<\/label><div class='ginput_container ginput_container_text'><input name='input_7' id='input_3_7' type='text' value='' class='medium'   tabindex='3'   aria-invalid=\"false\"   \/> <\/div><\/li><li id=\"field_3_10\"  class=\"gfield gfield--type-select gfield_contains_required field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_3_10\"><label class='gfield_label gform-field-label' for='input_3_10' >Are you a...<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_10' id='input_3_10' class='medium gfield_select' tabindex='4'   aria-required=\"true\" aria-invalid=\"false\" ><option value='Small Business' >Small Business<\/option><option value='Self-Employed' >Self-Employed<\/option><option value='Contractor' >Contractor<\/option><option value='Other' >Other<\/option><\/select><\/div><\/li><li id=\"field_3_3\"  class=\"gfield gfield--type-phone gfield_contains_required field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_3_3\"><label class='gfield_label gform-field-label' for='input_3_3' >Primary Contact Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_3' id='input_3_3' type='text' value='' class='medium' tabindex='5'  aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_3_4\"  class=\"gfield gfield--type-email gfield_contains_required field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_3_4\"><label class='gfield_label gform-field-label' for='input_3_4' >Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_4' id='input_3_4' type='text' value='' class='medium' tabindex='6'   aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/li><li id=\"field_3_5\"  class=\"gfield gfield--type-date gfield--input-type-datedropdown gfield_contains_required field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_3_5\"><label class='gfield_label gform-field-label'  >Primary Applicant Date of Birth<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div id='input_3_5' class='ginput_container ginput_complex gform-grid-row'><div class=\"clear-multi\"><div class='gfield_date_dropdown_month ginput_container ginput_container_date gform-grid-col' id='input_3_5_1_container'><select name='input_5[]' id='input_3_5_1' tabindex='7'  aria-required='true'  ><option value=''>Month<\/option><option value='1' >1<\/option><option value='2' >2<\/option><option value='3' >3<\/option><option value='4' >4<\/option><option value='5' >5<\/option><option value='6' >6<\/option><option value='7' >7<\/option><option value='8' >8<\/option><option value='9' >9<\/option><option value='10' >10<\/option><option value='11' >11<\/option><option value='12' >12<\/option><\/select><\/div><div class='gfield_date_dropdown_day ginput_container ginput_container_date gform-grid-col' id='input_3_5_2_container'><select name='input_5[]' id='input_3_5_2' tabindex='8'  aria-required='true'  ><option value=''>Day<\/option><option value='1' >1<\/option><option value='2' >2<\/option><option value='3' >3<\/option><option value='4' >4<\/option><option value='5' >5<\/option><option value='6' >6<\/option><option value='7' >7<\/option><option value='8' >8<\/option><option value='9' >9<\/option><option value='10' >10<\/option><option value='11' >11<\/option><option value='12' >12<\/option><option value='13' >13<\/option><option value='14' >14<\/option><option value='15' >15<\/option><option value='16' >16<\/option><option value='17' >17<\/option><option value='18' >18<\/option><option value='19' >19<\/option><option value='20' >20<\/option><option value='21' >21<\/option><option value='22' >22<\/option><option value='23' >23<\/option><option value='24' >24<\/option><option value='25' >25<\/option><option value='26' >26<\/option><option value='27' >27<\/option><option value='28' >28<\/option><option value='29' >29<\/option><option value='30' >30<\/option><option value='31' >31<\/option><\/select><\/div><div class='gfield_date_dropdown_year ginput_container ginput_container_date gform-grid-col' id='input_3_5_3_container'><select name='input_5[]' id='input_3_5_3' tabindex='9'  aria-required='true'  ><option value=''>Year<\/option><option value='1952' >1952<\/option><option value='1953' >1953<\/option><option value='1954' >1954<\/option><option value='1955' >1955<\/option><option value='1956' >1956<\/option><option value='1957' >1957<\/option><option value='1958' >1958<\/option><option value='1959' >1959<\/option><option value='1960' >1960<\/option><option value='1961' >1961<\/option><option value='1962' >1962<\/option><option value='1963' >1963<\/option><option value='1964' >1964<\/option><option value='1965' >1965<\/option><option value='1966' >1966<\/option><option value='1967' >1967<\/option><option value='1968' >1968<\/option><option value='1969' >1969<\/option><option value='1970' >1970<\/option><option value='1971' >1971<\/option><option value='1972' >1972<\/option><option value='1973' >1973<\/option><option value='1974' >1974<\/option><option value='1975' >1975<\/option><option value='1976' >1976<\/option><option value='1977' >1977<\/option><option value='1978' >1978<\/option><option value='1979' >1979<\/option><option value='1980' >1980<\/option><option value='1981' >1981<\/option><option value='1982' >1982<\/option><option value='1983' >1983<\/option><option value='1984' >1984<\/option><option value='1985' >1985<\/option><option value='1986' >1986<\/option><option value='1987' >1987<\/option><option value='1988' >1988<\/option><option value='1989' >1989<\/option><option value='1990' >1990<\/option><option value='1991' >1991<\/option><option value='1992' >1992<\/option><option value='1993' >1993<\/option><option value='1994' >1994<\/option><option value='1995' >1995<\/option><option value='1996' >1996<\/option><option value='1997' >1997<\/option><option value='1998' >1998<\/option><option value='1999' >1999<\/option><option value='2000' >2000<\/option><\/select><\/div><\/div><\/div><\/li><li id=\"field_3_6\"  class=\"gfield gfield--type-address gfield_contains_required field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible\"  data-js-reload=\"field_3_6\"><label class='gfield_label gform-field-label gfield_label_before_complex'  >Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label>    \n                    <div class='ginput_complex ginput_container has_street has_city has_state has_zip ginput_container_address gform-grid-row' id='input_3_6' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_3_6_1_container' >\n                                        <input type='text' name='input_6.1' id='input_3_6_1' value='' tabindex='10'   aria-required='true'    \/>\n                                        <label for='input_3_6_1' id='input_3_6_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_3_6_3_container' >\n                                    <input type='text' name='input_6.3' id='input_3_6_3' value='' tabindex='11'   aria-required='true'    \/>\n                                    <label for='input_3_6_3' id='input_3_6_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_3_6_4_container' >\n                                        <select name='input_6.4' id='input_3_6_4' tabindex='12'    aria-required='true'    ><option value='' selected='selected'><\/option><option value='Alabama' >Alabama<\/option><option value='Alaska' >Alaska<\/option><option value='American Samoa' >American Samoa<\/option><option value='Arizona' >Arizona<\/option><option value='Arkansas' >Arkansas<\/option><option value='California' >California<\/option><option value='Colorado' >Colorado<\/option><option value='Connecticut' >Connecticut<\/option><option value='Delaware' >Delaware<\/option><option value='District of Columbia' >District of Columbia<\/option><option value='Florida' >Florida<\/option><option value='Georgia' >Georgia<\/option><option value='Guam' >Guam<\/option><option value='Hawaii' >Hawaii<\/option><option value='Idaho' >Idaho<\/option><option value='Illinois' >Illinois<\/option><option value='Indiana' >Indiana<\/option><option value='Iowa' >Iowa<\/option><option value='Kansas' >Kansas<\/option><option value='Kentucky' >Kentucky<\/option><option value='Louisiana' >Louisiana<\/option><option value='Maine' >Maine<\/option><option value='Maryland' >Maryland<\/option><option value='Massachusetts' >Massachusetts<\/option><option value='Michigan' >Michigan<\/option><option value='Minnesota' >Minnesota<\/option><option value='Mississippi' >Mississippi<\/option><option value='Missouri' >Missouri<\/option><option value='Montana' >Montana<\/option><option value='Nebraska' >Nebraska<\/option><option value='Nevada' >Nevada<\/option><option value='New Hampshire' >New Hampshire<\/option><option value='New Jersey' >New Jersey<\/option><option value='New Mexico' >New Mexico<\/option><option value='New York' >New York<\/option><option value='North Carolina' >North Carolina<\/option><option value='North Dakota' >North Dakota<\/option><option value='Northern Mariana Islands' >Northern Mariana Islands<\/option><option value='Ohio' >Ohio<\/option><option value='Oklahoma' >Oklahoma<\/option><option value='Oregon' >Oregon<\/option><option value='Pennsylvania' >Pennsylvania<\/option><option value='Puerto Rico' >Puerto Rico<\/option><option value='Rhode Island' >Rhode Island<\/option><option value='South Carolina' >South Carolina<\/option><option value='South Dakota' >South Dakota<\/option><option value='Tennessee' >Tennessee<\/option><option value='Texas' >Texas<\/option><option value='Utah' >Utah<\/option><option value='U.S. Virgin Islands' >U.S. Virgin Islands<\/option><option value='Vermont' >Vermont<\/option><option value='Virginia' >Virginia<\/option><option value='Washington' >Washington<\/option><option value='West Virginia' >West Virginia<\/option><option value='Wisconsin' >Wisconsin<\/option><option value='Wyoming' >Wyoming<\/option><option value='Armed Forces Americas' >Armed Forces Americas<\/option><option value='Armed Forces Europe' >Armed Forces Europe<\/option><option value='Armed Forces Pacific' >Armed Forces Pacific<\/option><\/select>\n                                        <label for='input_3_6_4' id='input_3_6_4_label' class='gform-field-label gform-field-label--type-sub '>State<\/label>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_3_6_5_container' >\n                                    <input type='text' name='input_6.5' id='input_3_6_5' value='' tabindex='14'   aria-required='true'    \/>\n 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Check all that apply.<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_checkbox'><ul class='gfield_checkbox' id='input_3_9'><li class='gchoice gchoice_3_9_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_9.1' type='checkbox'  value='AWA Advantage - Small Business\/Consumer\/Health Benefits'  id='choice_3_9_1' tabindex='15'  \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_9_1' id='label_3_9_1' class='gform-field-label gform-field-label--type-inline'>AWA Advantage - Small Business\/Consumer\/Health Benefits<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_9_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_9.2' type='checkbox'  value='AWA with Dental or Vision'  id='choice_3_9_2' tabindex='16'  \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_9_2' id='label_3_9_2' class='gform-field-label gform-field-label--type-inline'>AWA with Dental or Vision<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_9_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_9.3' type='checkbox'  value='AWA with Short Term Medical'  id='choice_3_9_3' tabindex='17'  \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_9_3' id='label_3_9_3' class='gform-field-label gform-field-label--type-inline'>AWA with Short Term Medical<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_9_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_9.4' type='checkbox'  value='AWA with Fixed-Benefit Indemnity Benefits'  id='choice_3_9_4' tabindex='18'  \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_9_4' id='label_3_9_4' class='gform-field-label gform-field-label--type-inline'>AWA with Fixed-Benefit Indemnity Benefits<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_9_5'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_9.5' type='checkbox'  value='AWA with Accident Benefits'  id='choice_3_9_5' tabindex='19'  \/>\n\t\t\t\t\t\t\t\t<label for='choice_3_9_5' id='label_3_9_5' class='gform-field-label gform-field-label--type-inline'>AWA with Accident Benefits<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_3_9_6'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_9.6' type='checkbox'  value='I don&#039;t know. 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is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_3').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_3').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_3').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/  }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_3').val();gformInitSpinner( 3, 'https:\/\/healthdepotassociation.com\/awa-plans\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery(document).trigger('gform_page_loaded', [3, current_page]);window['gf_submitting_3'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}setTimeout(function(){jQuery('#gform_wrapper_3').replaceWith(confirmation_content);jQuery(document).trigger('gform_confirmation_loaded', [3]);window['gf_submitting_3'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_3').text());}, 50);}else{jQuery('#gform_3').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger('gform_post_render', [3, current_page]);gform.utils.trigger({ event: 'gform\/postRender', native: false, data: { formId: 3, currentPage: current_page } });} );} );\n<\/script>\n<\/div><\/div><\/div><\/div><div id=\"pg-2247-1\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2247-1-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2247-1-0-0\" class=\"so-panel widget widget_black-studio-tinymce widget_black_studio_tinymce panel-first-child panel-last-child\" data-index=\"7\" ><div class=\"textwidget\"><p>While the premiums are likely to be slightly lower initially, the insured will pay more over a ten, twenty, or thirty-year term than they would have if they had chosen a level premium policy.<\/p>\n<h3>Return of Premium<\/h3>\n<p>If the covered party survives throughout the term of a Return of Premium policy, some portion of the premium will be returned. In some cases, the entire premium will be returned.<\/p>\n<p>There is one big catch to this coverage type: premiums can be up to four times as much as they would be with flat term coverage. Even one missed payment can result in coverage being canceled, and no premiums received.<\/p>\n<h3>Guaranteed Issued<\/h3>\n<p>These are the types of policies offered by AWA. They are simple to obtain because they do not require a medical exam. In most cases, the covered party needs only answer a few simple health questions to apply and be approved for coverage.<\/p>\n<\/div><\/div><\/div><\/div><div id=\"pg-2247-2\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2247-2-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2247-2-0-0\" class=\"so-panel widget widget_black-studio-tinymce widget_black_studio_tinymce panel-first-child panel-last-child\" data-index=\"8\" ><h3 class=\"widget-title\">What Are the Pros and Cons of Term Life Insurance?<\/h3><div class=\"textwidget\"><p>Term life insurance can be an excellent option for individuals who do not want to leave their loved ones to pay off any debt or funeral expenses. However, as is true of any insurance product, there are both pros and cons to this type of coverage.<\/p>\n<h3>The Pros of Term Life Insurance<\/h3>\n<ul>\n<li><strong>Lower payments. <\/strong>In most cases, it is more affordable to purchase term life insurance compared to the cost of purchasing permanent life insurance. Generally speaking, the younger a person is when they start coverage, the more affordable that coverage will be.<\/li>\n<li>When you choose term life insurance, you get to choose how long you would like your coverage to last. If you only need it for ten years, you can purchase a policy for ten years. If you want it for 30 years, then that is an option too. This makes it each to predict how much you will pay in premiums for the entire term of your insurance.<\/li>\n<li><strong>The potential to convert to permanent insurance. <\/strong>It's often the case that a person who wants to extend their term life policy can do so by converting it to permanent life insurance coverage.<\/li>\n<\/ul>\n<h3>The Cons of Term Life Insurance<\/h3>\n<ul>\n<li><strong>There's no cash value. <\/strong>With permanent life insurance, there is a cash value that the insured could potentially borrow against if needed. There is no such cash value with a term life policy.<\/li>\n<li><strong>There could be no payout. <\/strong>One of the reasons that the premiums are so low on term life policies is that if the covered party survives beyond the length of the policy, the insurer often does not have to pay out any benefits.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><div id=\"pg-2247-3\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2247-3-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2247-3-0-0\" class=\"so-panel widget widget_black-studio-tinymce widget_black_studio_tinymce panel-first-child panel-last-child\" data-index=\"9\" ><h3 class=\"widget-title\">When Should I Get a Term Life Insurance Policy?<\/h3><div class=\"textwidget\"><p>That depends on your financial situation and your financial goals. For example, parents of young children often get a term life insurance policy to last twenty years, and they choose a level of coverage that would allow their child(ren) to get through high school and college.<\/p>\n<p>Some companies do not approve everyone for term life insurance, and they require a medical exam and will exclude higher-risk people. In that case, it can be much easier to get approved as a younger person, and that might be the best time to apply. Remember that AWA has guaranteed approval options that do not require medical exams.<\/p>\n<\/div><\/div><\/div><\/div><div id=\"pg-2247-4\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-2247-4-0\"  class=\"panel-grid-cell\" ><div id=\"panel-2247-4-0-0\" class=\"so-panel widget widget_black-studio-tinymce widget_black_studio_tinymce panel-first-child panel-last-child\" data-index=\"10\" ><h3 class=\"widget-title\">Do Term Life Insurance Premiums Increase Over Time?<\/h3><div class=\"textwidget\"><p>It is possible that term life insurance premiums will increase for a person over time, depending on their health and age. However, it all depends on the policy. Many companies offer term life at a guaranteed rate, meaning that the premium will not change for the entirety of the term.<\/p>\n<p>Keep in mind that a policy with premiums that are guaranteed not to go up is generally more expensive than one that can fluctuate.<\/p>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>If you do not currently have term life insurance benefits, AWA can help. With various programs available, every member can find the coverage that works best for them. Keep reading to learn more about this type of coverage and the available options, then contact us for more information about signing up. Primary members of AWA [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.2.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Term Life Insurance Benefits | AWA Membership Options<\/title>\n<meta name=\"description\" content=\"If you do not currently have term life insurance benefits, AWA can help. 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