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Term to 25

Part of a parent’s job description includes planning for and securing your children’s future. Choosing a Term to 25 life insurance policy can go a long way toward giving your child the protection he or she needs.

With a Term to 25 policy (Convertible to Age 25) you help protect your child today with term life insurance to his or her age 25. The policy is available for issue ages 0-17. There are three face amounts to choose from: $10,000, $20,000, and $30,000.

Available Riders

You can get additional protection by choosing from a number of riders, or options.

Accelerated Death Benefit Rider
The Accelerated Death Benefit Rider is automatically included with the policy at no additional cost to you. This rider provides benefits for terminal illness:

Terminal Illness
Benefits $250,000 or 60% of base policy death benefit
Conditions An illness that is expected to result in death within 12 months from the date medical evidence is supplied to the Home Office.

Advances made under this rider will be in the form of a special loan secured by a first lien on the death benefit payable under your policy. Upon the death of the insured, the death benefit will be reduced by the amount of this special loan, including interest.

Waiver of Premium Disability Rider
This rider is an optional benefit available at the time of policy issue. It provides that premiums for the policy will be waived during the continued total disability of the insured.

Owner Waiver of Premium Disability Rider
This rider is an optional benefit. It waives premiums on juvenile policies following the death or disability of the owner.


Get More Information or contact our Client Relationship Center at 1.866.832.7719 to learn more about Term to 25.

Term to 25 is issued by The Western and Southern Life Insurance Company (NAIC code 70483), Cincinnati, Ohio. It is not licensed in Alaska, Connecticut, Maine, Massachusetts, New Hampshire, New York, Vermont, or outside the United States.

Exceptions and Limitations: Product, features, rider availability, and benefit provisions vary by state. The policies offered contain exclusions, limitations, reductions of benefits, and specific requirements for keeping them in force. For complete coverage information, see your Western & Southern Life Financial Representative.

Policy series number: 0801-220

Rider series numbers: 9004-586, 9401-700, 1208-620


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Last Updated: 12/14/2017