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Term to 25

As a parent or grandparent, one of the most important gifts you can give your child or grandchild is a head start on a secure financial future. The Term to 25 product from The Western and Southern Life Insurance Company (Western & Southern Life) provides a strong financial foundation for your child's future with a term life policy that can convert up to a $30,000 whole life policy at age 25.1 When you purchase the Term to 25 product issued by Western & Southern Life, you’re giving your child guaranteed2 insurability for life.

Building Cash Value for the Future

Your child’s Term to 25 policy begins building cash value when it converts to a whole life policy. This cash value grows tax-deferred and can be used to fund major life purchases, such as a down payment on a first home, graduate school education, or capital for starting a business. Your child can also borrow against the cash value in the policy through an interest-bearing policy loan for special opportunities or emergencies.

Your child’s policy also builds cash value through dividends3 that are paid annually based on the performance of our company. Your child can use these dividends3 to pay premiums, purchase more insurance, keep them in the policy to earn interest, or receive them in cash. Although dividends3 are not guaranteed, they are just one of the many ways your child shares in our success.

Future Insurability Guaranteed

Serious health problems or injuries could prevent your child from qualifying for insurance protection during the adult years when it’s needed most. Our Term to 25 product guarantees your child coverage during adulthood and for life. Once issued, your child's Term to 25 policy will never be canceled due to changes in age (until age 25), health, or occupation.

Learn More

For more detailed information about this term life insurance – including available riders, premiums, face amounts, and age limits – please visit our Term to 25 product page and/or request an appointment with a Western & Southern Life insurance agent.

1 “Age” refers to insurance age, which is an age first attained on the policy anniversary on or next following the insured’s birthday.

2 Guaranteed by the full financial strength of The Western and Southern Life Insurance Company

3 Not all whole life plans are eligible to receive dividends.

Exceptions and Limitations

We will not pay any benefits if the insured dies as a result of suicide, while sane or insane, within two years from the policy date (could vary by state). If the policy is in force at that time, we will return the premiums paid less any policy loan. We will not pay any benefit under the Accelerated Death Benefit Rider if the insured’s medical condition is directly or indirectly the result of attempted suicide or self-inflicted injury.

In Missouri: We will not pay any benefits if the insured dies by suicide within two years from the policy date and if we can show that the insured intended suicide when he or she applied for the policy. If the policy is in force at that time, we will return the premiums you paid.

This information is a summary of available benefits. The exact terms of the benefits and the applicable provisions and conditions are contained in the policy. The policy contains terms under which it may be continued in force or discontinued. This product may not be available in all states.


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Last Updated: 12/14/2017