Protect Now Term Insurance

Protecting your family when they need it most

Why Lumico Protect Now Term?

A term life insurance policy is a type of insurance that covers you and your loved ones for a specific period of time. After the level term period ends, the coverage renews at higher rates which increase annually through age 95. 

Lumico Protect Now Term allows you to protect your loved ones from debt for specific life events in your absence like paying for a mortgage, replacing lost income, or sending your children to college. With Lumico Protect Now Term, you'll provide your family with the confidence and peace of mind they need to feel financially protected in the future. 


No medical exam


Affordable Coverage


Instant Decision

Product Specifications

Term lengths and issue ages

10, 15 and 20 year term: ages 18-65

30 year term: ages 18-50

Minimum face amount


Risk classes and maximum face amount

Platinum: $1M ages less than 65, $250K for age 65
Gold: $500K ages less than 65, $250 for age 65
Silver Non-Tobacco: $250K for all ages
Silver Tobacco: $100K for all ages
Bronze: $100K for all ages

Premium frequency

Annual, semi-annual, quarterly, monthly

Rider options


  • Accelerated Death


  • Accidental Death
  • Dependent Child
  • Waiver of Premium



1Please discuss with your agent for details.

2You can replace your existing life insurance policy with a new Lumico life insurance policy.

For complete coverage information, download a copy of our Protect Now Term product guide.

Did you know?


Americans purchase
life insurance3


Income Replacement


Wealth Transfer


Burial Expenses, January 31, 2022


For help with your Protect Now Term life insurance policy,
please contact our life insurance customer care team on 1-866-440-4047.

What else can we help you with?