Term Life

What does Term Life Insurance cover?

Simply put, it’s an affordable way to provide death benefit protection for your family for a set period of time. It also offers several other advantages:

Choice
You choose the “term” (the level premium paying period) as well as your payment schedule—monthly, quarterly, bi-annually, or annually.

Consistency
Your payments stay the same for the entire term. Once the level premium paying period ends, you can continue paying (typically annually increasing premiums to a certain age) or stop paying and no longer have coverage.

Tax Protection
If you die during the time you’re covered, your beneficiaries receive the death benefit, typically income-tax free.

Flexibility
You can convert a term life insurance policy into a permanent policy that can potentially cover you for life—no additional medical exam is needed during the conversion period.

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