Product Description

Customers answer questions about health and lifestyle.

Then we help you figure a best estimate of the cost of living for the years of the term.

You can organize costs by year, child, and category.

You can choose either Single Premium or Level Pay (Annual).
Late Annual payments can result in policy lapse.

So how does it work?

Let's say Joe Insured dies in the 3rd year of a 20 year term.

Joe's family (beneficiaries) will get the money in the 3rd year bucket.

At the beginning of Year 4, they will get Year 4's amount. And for Year 5 at the beginning of Year 5. etc.

Optional Riders

Final Expenses: Those don't decrease over time.
Be covered for the same amount for the life of the policy.

Gauranteed Purchase Option: Extend your term when you have a more children without new underwriting.

Milestones: Keep Wedding money available for years.
We don't know when each person find his soul-mate.

For more information contact us:

Step 1: Understand the Architecture

Traditional insurance is "bundled." Our models prove that you are better off with Pure Protection.
• Decreasing Term: You shouldn't pay for risk that has already passed.
As you live through each year, your "scheduled benefit" adjusts to match your actual needs.
• No Mutual "Tax": You aren't a charity. We don't believe you should subsidize riskier pools.
Our logic uses Risk Capacity Modeling to keep your costs tied to your specific health data.

Step 2: Prepare Your Portfolio

The Telem Life philosophy is "Invest the Difference."
• Scheduled Benefits: We calculate the math so you don't have to. This results in lower premiums.
• Max Your Growth: Take those monthly savings and put them into your 401k or personal brokerage.
You get a wider range of investments and 100% control over your liquidity.

Step 3: Talk to a Contracted Carrier

Take our "Agent Script" (downloadable below) to a carrier that utilizes our Model and Product Logic.
• Demand Pure Insurance without nest eggs or annuities.
• Request a quote based on Decreasing Term and Scheduled Benefits to ensure you are getting the best modern rates