Term Life Insurance

Term Life Insurance policies are designed to provide temporary protection at an affordable cost — particularly in the earlier years. The contract between the policy owner and the insurance company is for a specific period of time or “term.” Term policies deliver pure death benefit protection and appeal to those seeking cost-effective, temporary coverage.

Level Premium Term Insurance

Those who prefer that their premium remain the same or “level” for a specific period of time, such as 10, 15 or 20 years, may choose to purchase a level term policy. The death benefit is also level, meaning the death benefit remains the same throughout the life of the policy. These policies may also include a conversion provision, allowing you to convert the policy to permanent insurance.