Term Life Insurance
Affordable term life insurance protection that provides your members with the peace of mind they need to protect their families.
Financial protection for what matters most
No one wants to think about the unexpected, but families need a plan. Without life insurance, a sudden loss can leave loved ones struggling with financial burdens on top of emotional grief. Resources like the Life Happens organization help families understand the importance of life insurance planning.
At Premier Health Solutions, we offer guaranteed issue term life insurance that makes it easy for your members to get the coverage they need — without medical exams, health questionnaires, or lengthy underwriting processes.
Guaranteed issue term life benefits
Our term life insurance options are designed to be accessible, affordable, and straightforward — with guaranteed issue availability so your members can get covered quickly.
Guaranteed Issue
No medical exams or health questionnaires required. Members can enroll with confidence knowing they won't be denied based on health status.
Family Financial Security
Provides a death benefit to help cover funeral expenses, outstanding debts, mortgage payments, and ongoing family living expenses.
Affordable Premiums
Competitively priced term life insurance designed to fit within your members' budgets without sacrificing meaningful coverage.
Simple Enrollment
Streamlined enrollment process that makes it easy for members to sign up and start their coverage quickly.
Level Premiums
Premiums remain consistent throughout the coverage term, so members can plan and budget with confidence.
Peace of Mind
Knowing their family is protected gives members peace of mind and allows them to focus on what matters most.
Term life insurance administration
We manage relationships with A-rated carriers to provide guaranteed issue term life insurance options that are easy to administer and valuable for your members.
Full Administration
We provide comprehensive benefits administration and program management for term life insurance. We handle enrollment, billing, claims support, and member services.
Easy Member Access
Members can enroll online, access policy details through the secure member portal, and manage beneficiary information from anywhere.
A-Rated Carriers
Our term life products are backed by A-rated insurance carriers, ensuring financial stability and reliability for your members' beneficiaries.
Ongoing Support
We provide dedicated support throughout the life of the policy — from enrollment to claims — ensuring your members and their families are taken care of.
What you can expect from Premier Health Solutions
At Premier Health Solutions, we provide comprehensive, end-to-end services for your administration, benefits, and management needs.
Competitive rates for today's families
Affordable term life insurance designed for modern families with pricing that fits different budgets.
Guaranteed issue accessibility
No medical exams or health questionnaires — coverage that's accessible to your members when they need it.
Reliable and member-focused services
Customer support services that put members and their families first every step of the way.
A focus on compliance
Compliance built into every process, with dedicated support for independent agents who partner with us.
About Term Life Insurance
Term life insurance provides a death benefit to your beneficiaries if you pass away during the coverage term. It is designed to provide financial protection for a specific period, helping your family cover expenses like mortgage payments, education costs, and daily living expenses.
Guaranteed issue means you can enroll in the life insurance plan without taking a medical exam or answering health questionnaires. Acceptance is guaranteed regardless of your current health status, making coverage accessible to more people.
Coverage amounts vary by plan and will be provided by your agent or employer. Premier Health Solutions works with carriers to offer benefit levels that provide meaningful financial protection for your family. Contact us for specific coverage details.
The death benefit is paid to the beneficiary or beneficiaries you designate when you enroll. You can update your beneficiary designations at any time through the member portal or by contacting us.
Yes. Term life insurance is designed to work alongside other PHS-administered products like critical illness, accident insurance, and value-added benefits. Combining products creates a more comprehensive benefits package.
Yes. Premiums for our term life insurance plans remain level throughout the coverage term, so you can budget with confidence knowing your rate won't change unexpectedly.
Enrollment is typically handled through your insurance agent or employer. Contact Premier Health Solutions or your agent to learn about available term life options and start the enrollment process.
Explore more products we administer
Want to offer this product?
Partner with PHS as an independent agent. Competitive commissions, full back-office support, and A-rated carrier products.
Learn About Partnering →Learn more about term life insurance
At Premier Health Solutions, we simply do things the right way — for our customers and your members.