The coverage you need. From one life milestone to the next.

A level start.

  • Affordability is Key

    Term is designed to provide the coverage you need—and maintain your budget.

  • Easily Upgradable

    You can easily convert a term policy to a permanent policy within a specified time period.*

  • Measurable Peace of Mind

    Level premiums mean security knowing your payments won’t change at all during your term.

Find your own level. 

Our 10-20 Year Level Premium Convertible Term Life Insurance is basic, affordable coverage that offers protection for a defined period of time. Simply select a period between 10 and 20 years, and you can guarantee protection**—at a fixed premium—for your loved ones. If you’re new to life insurance, or on a strict budget, it’s a great way to get started. 

Term life can be a prudent option for anyone just starting to face financial obligations like paying a mortgage, student loans, and meeting the many needs of growing kids. Or if you have your own business, the proceeds from your term life insurance can accommodate ongoing expenses—and help ensure the company continues on after you’re gone.


  • Fixed payments. Your premiums are guaranteed to stay the same from day one, for as long as 20 years. 
  • Option to upgrade to permanent coverage. At any point during the first ten years of your policy you can convert to a permanent policy—based on your original assessment—without having to undergo a new underwriting process. Since you won’t need another medical check, the younger you buy, the more you can benefit long-term.*

Talk it through with an expert.

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What’s the difference between term and permanent life insurance?

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Talk it through with an expert.

We're here to help.