Term to Age 90 is a term insurance policy offered through NYLIFE Insurance Company of Arizona,¹ a subsidiary of New York Life Insurance Company.

Term to Age 90 can offer affordable, temporary life insurance protection. The premiums are guaranteed and level for the first ten years, then, beginning in the 11th year, they increase annually.

The coverage Term to Age 90 provides can help families and business owners safeguard their financial future. The death proceeds can be used to help pay mortgages and other debts, fund a child's college education, and help a family continue its standard of living.

Benefits

• The peace of mind that comes with life insurance protection.
• A death benefit that is, in most instances, free from federal income tax.
• Guaranteed renewable coverage to the expiry age (see 'Product Specifics').
• The privilege to convert to a permanent policy that builds cash value (see Conversion Privilege).

The Uses of Term to Age 90
There are many situations where Term to Age 90 may be appropriate. Here are just a few examples:

• Temporary Need for Protection
  When coverage is needed for a relatively short period of time, such as when a loan is taken.
• Limited Funds
  In situations where life insurance is essential but dollars are scarce. Young people starting their careers can choose Term to Age 90, then convert to a permanent plan as their finances improve.
• Protection for Business Owners
  Term to Age 90 can be used as a hedge to cover outstanding loans, shielding partners or shareholders from financial hardship.

Product Specifics
Issue Ages
15-65

Expiry Age
90

Minimum Face Amount
$100,000

Premium Modes
NYLIFE Insurance Company of Arizona offers several convenient ways to pay premiums: annually, semi-annually, quarterly, or via our automatic bank drafting method, Check-O-Matic (COM). You can even pay the premium in advance at a discount.

Term to Age 90 is guaranteed renewable up to the contract's expiry age and includes a conversion privilege during the first ten years.

Premium Guarantee
Premiums are guaranteed and level for the first ten years.

Risk Classes
Based on defined underwriting criteria, NYLIFE Insurance Company of Arizona offers the following risk classes: select preferred, preferred, non-smoker, select standard, standard, and substandard (classes 2 - 13).

Conversion Privilege
Term to Age 90 policies allow the owner to convert all or part of the policy into permanent, cash value life insurance without furnishing evidence of insurability. The conversion privilege is available during the first ten years. For more detailed information about conversion, please contact your agent.

Available Riders
To customize your policy, you can choose from a variety of policy riders to meet your specific needs.

Accidental Death Benefit (ADB)
Provides an additional death benefit if the insured dies as a direct result of an accident.

Waiver of Premium (WP)
Waives all premiums if the insured becomes totally disabled, as defined in the rider.

The following riders are available at no additional cost to you:
Living Benefits Rider (LBR)
Gives the policyowner access to a portion of the policy's eligible death benefit should the insured be diagnosed with a terminal illness and have a life expectancy of 12 months or less.²

Spouse's Paid-Up Insurance Purchase Option (SPPO)
Gives the spouse-beneficiary the right to purchase a new paid-up whole life policy on his/her life at the death of the primary insured, without evidence of insurability.

A New York Life agent - professionally trained and experienced can help you analyze your needs and recommend appropriate solution through insurance and financial products and concepts at no charge to you. Click here to request a free, no obligation, consultation with a New York Life agent.

1 Because the Company is not licensed in all states, the policy is not available in every state.
2 State variations exist.

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