You may go through periods in your life when money is tight or when you're not quite sure you want permanent life insurance. Term life insurance is affordable coverage that lasts for only the number of years you elect.
Most term life insurance policies are convertible. The convertibility option lets you exchange your term life policy for a whole life policy with no additional underwriting when permanent life insurance protection is more appropriate.
To get affordable coverage that you can change when life demands, select from the options below.
Waiver of Premium (Unemployment) Rider now available on Annual Renewable & Convertible Term,
10-Year Guaranteed Level Term,
15-Year Guaranteed Level Term,
20-Year Guaranteed Level Term, and
30-Year Guaranteed Level Term products.
Money-Back Guarantee (Return of Premium) Rider now available on 15-Year Guaranteed Level Term,
20-Year Guaranteed Level Term, and
30-Year Guaranteed Level Term products.
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| Annual Renewable & Convertible Term |
| Annual Renewable and Convertible Term is term insurance that is automatically renewable at the end of each one-year term period, with generally increasing premiums. It allows you to convert your policy to a whole life insurance policy with no additional underwriting.
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| 30-Year Guaranteed Level Term |
| 30-Year Guaranteed Level Term insurance offers term insurance protection for the first 30 years with guaranteed level premiums and may be renewed thereafter without evidence of insurability at an annually increasing premium scale. It is also convertible with no additional underwriting to a whole life or flexible-premium insurance policy throughout the 30-year level premium period up to age 65. |
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| 20-Year Guaranteed Level Term |
| 20-Year Guaranteed Level Term insurance offers term insurance protection for 20 years with guaranteed level premiums. It is convertible to a whole life insurance policy with no additional underwriting.
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| 15-Year Guaranteed Level Term |
| 15-Year Guaranteed Level Term insurance offers term insurance protection for the first 15 years with guaranteed level premiums and may be renewed thereafter without evidence of insurability at an annually increasing premium scale. It is also convertible with no additional underwriting to a whole life or flexible-premium insurance policy throughout the 15-year level premium period up to age 65. |
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| 10-Year Guaranteed Level Term |
| 10-Year Guaranteed Level Term insurance offers term insurance protection for 10 years with guaranteed level premiums. It is convertible to a whole life insurance policy with no additional underwriting.
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| Term to 25 |
| Term to 25 (Convertible Term to Age 25) gives your child term insurance protection to age 25 at guaranteed level premiums. It is convertible to a whole life insurance policy with no additional underwriting.
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