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Term Life Insurance Choices

20-Year Term Life Insurance offers pure insurance protection and may be ideal when you need life insurance to protect your family or your business but dollars are scarce. It does not build cash value like a permanent or whole life policy, and it is not eligible for dividends.

Five-Year Term Life Insurance can be appropriate when coverage is needed for a well-defined period of time. If the insured were to die, insurance proceeds could be used to help pay a mortgage, fund a child's education or ensure business continuation by helping to cover business expenses.

Family Protection Life Insurance is a unique product that offers affordable life insurance protection for the entire family under one policy. The policy covers two adults. The premium is guaranteed level for the first 10 years and increases annually after that.

Increasing Premium Term (IPT) Insurance offers pure insurance protection and may be ideal when you need life insurance to protect your family or your business but dollars are scarce.

Term to age 90 Life Insurance offers affordable life insurance protection until the policyowner reaches age 90. The premium is guaranteed to remain level for the first 10 years. Beginning in the 11th year premiums increase annually.

Term Life Insurance is the simplest form of life insurance. It provides affordable protection for a specific period of time at a scheduled premium level. Premiums may increase at the end of the term.

You choose a coverage level, a term (usually 5, 10, 15, or 20 years) and name a beneficiary, that is, the person you want to receive the benefit if you die. If you die while your term life insurance policy is in force, the death benefit is paid to the beneficiary you chose.

At the end of the term, you can renew your coverage often at a higher premium, without having to provide evidence of good health. You can also convert it to a permanent life insurance policy which builds cash value and may earn dividends.

Term insurance can help you meet a number of personal and business needs and is often a good choice:

when life insurance is essential but dollars are scarce
for a well-defined period of time
to protect your family (insurance benefits can help pay a mortgage or fund a child’s education)
to protect your business (benefits can ensure business continuation by helping to cover business expenses)

Is Term Life Insurance right for you?

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