New term products from Encova Life

Now live in our Encova Life Agents-Only website: new term products! We’ve lowered our term rates at most ages, consolidated our rating classes and increased our first-year commissions to best serve you. We now have three preferred classes: preferred best, preferred plus and preferred smoker, and we adjusted our non-smoker definition to allow cannabis use.

With this new product, we have maintained our outstanding conversion privilege so your policyholders can have the coverage they need when they need it. Additionally, the new underwritting applications are available now under Forms & Supplies. Remember, if you use our electronic applications, you will always have the most current versions.