SHENANDOAH
TERM LIFE
INSURANCE
(Form L-1040-3/07) from Shenandoah
Life provides the life insurance
protection you need at a premium that
Shenandoah Term
makes sense with your family budget.
RETURN OF PREMIUM RIDER
(Form R-2029-8/01) can return some
or all of premiums paid at the end of
your term period.
EXCLUSIONS AND LIMITATIONS. The benefit paid in the
event of suicide during the first two policy years (one year in CO)
may be limited to the premiums paid.
*Premiums are guaranteed for the full term period (10, 15, 20,
25 or 30 years).
**Review the Summary and Disclosure Statement prior to
acceptance. Proceeds payable under this rider may be taxable.
Consult with a professional tax advisor prior to requesting
such benefits.
State suffixes may apply to the form numbers where there are
state variations of the forms.
Riders may not be available in all states where the base policy
is approved.
2301 BRAMBLETON AVENUE
ROANOKE, VIRGINIA 24015
800-848-5433 • 540-985-4400
www.shenlife.com
Form 4949 – Rev. 12/07
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Who Needs Term Insurance?
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No one expects to die prematurely. But it’s important that you’re prepared for the unexpected.
Young people just getting started in life. When money is tight, the more affordable premiums of Shenandoah Term can
help you establish an insurance program—without busting the budget.
Parents planning for college expenses. You want to be certain your children have all the advantages of a good education.
Small business owners wanting their dreams to continue. Your business has been like a baby that you’ve nurtured as it’s
grown.Term insurance provides money to help make sure your family can keep the business you’ve worked so hard to build.
Homeowners with an outstanding mortgage. Shenandoah Term is available for a 30-year period*, allowing you to help
protect your family’s ability to pay for your home over the entire life of a typical mortgage.
Premiums That Are Guaranteed
The premiums for your Shenandoah Term policy are guaranteed not to
change during the term period (10, 15, 20, 25 or 30 years).
Convert To Permanent Coverage At Any Time
At some time in the future, you may wish to convert your Shenandoah
Term policy to permanent coverage. Up to age 80, you can choose
from any whole life or universal life policy Shenandoah Life offers at
that time – and you won’t have to show additional evidence of
insurability. The conversion must occur while the policy is in force
after the first policy year and prior to the anniversary (nearest the
insured’s 80th birthday or at attained age 80).
(Forms R-2025-4/00 and R-2026-4/00) can help to provide the
money you need to make your payments.There are exclusions and
limitations, so ask your Shenandoah Life representative for details.
Protect Your Family If You Become Disabled
Help Your Family Pay Unexpected Expenses
Think about all the ways your family counts on your income every
month – the mortgage, utilities, credit card bills, college savings. In
addition, many of today’s families depend on the incomes from two
working parents rather than just one. Have you ever considered what
would happen if you or your spouse were sick or injured and no
An Accelerated Benefit Rider (Form R-2024-11/99 Rev. 1/01) may
also be added to Shenandoah Term policies.This rider can make a
portion of your death benefit funds available in case of a qualifying
need for nursing home confinement or terminal illness.**
longer received a paycheck?
It’s Easy To Apply
When you can’t meet your financial obligations because of a disabling
Whether you’re just starting out or planning for retirement, there’s a
injury or illness, Shenandoah Life’s Disability Income Rider
Shenandoah Term policy that will help you reach your goals.