Retail Level Term

Underwritten by the Savings Bank Mutual Life Insurance Company of Massachusetts (SBLI), our Retail Level Term product is data-driven instant issue life insurance, providing essential coverage for your clients, without added extras.

Providing a benefit amount between $25,000 to $1,000,000 with no need for a medical exam. This means that your clients, if approved, can get the essential coverage they are looking for. 


Maximum Face Amount

$25,000 to $1,000,000


Maximum Level Term Length

10, 15, and 20 year terms



18 to 55 years

Key Benefits

Fast And Convenient

Fast and convenient, data driven underwriting process with a decision in minutes and policies issued instantly

No Medical Exam

No medical exam, no personal health information or attending physician’s statement.

Level Premium

Level premium varies by issue age, gender, smoker status, term duration, rate class, and coverage amount

5 Rate Classes

5 rate classes - 4 non-nicotine plus 1 nicotine

Available Rider

Accelerated death benefit rider - providing early access to a portion of the death benefit if the insured is diagnosed with a terminal illness



For the education of producers/brokers only. Not for use with the public. The Savings Bank Mutual Life Insurance Company of Massachusetts. Woburn, MA. NAIC #70435. Products and features may not be available in all states. © 2023 All rights reserved. 23-4058 3/23



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