Underwritten by Western & Southern Financial Services, IncomeSense is a decreasing term life insurance solution offering a death benefit in the form of a guaranteed monthly payout stream to beneficiaries for income replacement or mortgage payment protection.
IncomeSense is designed to be less expensive than traditional level term insurance with premium rates guaranteed to never increase.
Fast and convenient data driven underwriting process with a decision in minutes and policies issued instantly
No medical exam, no personal health information or attending physician’s statement
Level premium varies by issue age, gender, smoker status, term duration, rate class, and coverage amount
6 rate classes: 4 non-nicotine, 2 nicotine