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Opportunities in today's market

Some 72 million Millennials – ages 25 to 43 – are in the stage of life where their income is on a slower climb than their debts. Help them bridge the financial gap so they don’t have to hit pause on their plans with StartSmart. It’s quick, simple, digital and affordable – a $250,000 Term Life policy with $20,000 optional Critical Illness Benefit Rider and $1,500 optional Monthly Disability Income Rider all for under $38 a month.*

* Illustration based on female age 26, Preferred+ Non-Tobacco. Nebraska.

How our product and process differ

Three types of protection for one affordable premium, riders that don’t deduct from the death benefit, and the option to fully convert to permanent life coverage give you a powerful product to increase sales. With an online application, accelerated underwriting and instant decision up to $1 million, it’s fast and easy for you and your clients.

About StartSmart

Here are the key highlights of Assurity’s StartSmart. Visit AssureLINK to get details with the full Product and Underwriting Guides.

Online Quote-to-Application Tool

Run quotes and email them to clients, and when you’re ready easily streamline right into the application and get an instant decision.

Flexible coverage amounts

Customize StartSmart to your client’s needs: Term Life Insurance from $25,000 up to $1 million available with instant decision; the optional Critical Illness Benefit Rider from $20,000 to $100,000; and the Monthly Disability Income Rider from $300 to $3,000 in monthly benefit.

Living benefits don’t reduce the death benefit

If your clients receive benefits from the critical illness or monthly disability income riders, it will not reduce the death benefit one dime.

Conversion option

Down the road, you can help your clients convert their Term Life policy and the riders to a permanent policy without any additional underwriting.

Underwriting made easy

Our process speeds the sale and makes life easier for you and your clients.

One Application

Complete one online application for three coverages and your clients pay just one bill.

No Exams or Tests

With generous accelerated underwriting up to $1 million for ages 18 to 50, more of your clients may qualify for instant approval with no exams or tests.

One Process

Get your client covered with one seamless underwriting process for Assurity’s StartSmart.

Fast Policy Issue

Your clients could get an instant decision and a policy can be in their hands in just days. More convenience for them – and faster commissions for you.

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Policy Form No. I L1702 and Rider Form Nos. R I0762 and R I0825-T underwritten by Assurity Life Insurance Company, Lincoln, NE.

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.