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Level Term Life Insurance
Term life insurance can be an affordable starting point for your financial plan. Whether you’re:
- Starting a new life with your partner
- Purchasing or refinancing a home
- Providing for your children’s education
- Providing for loved ones or yourself in the event of total disability or critical illness (this is an optional rider/feature of term insurance)
Term life insurance can create a greater sense of comfort and security. It helps you put a fundamental component of your
financial plan in place and provide basic protection.
Basic Protection
You can customize your basic coverage to protect your financial future and the future of your loved ones.
- Choose how much insurance protection your family needs to help make it easier for them to meet final expenses and financial obligations in the event of your premature death.
- Choose the length of your term – 10, 15, 20 and 30 years to match up with specific needs such as a mortgage or your children’s education.
- Manage your budget with guaranteed level premiums for the initial term.
Riders
A variety of riders are available to customize your term policy for your specific needs. Available riders vary by the insurance provider.
Accidental Death - This rider provides for an additional death benefit in the case where the insured dies from an accident.
Critical Illness - Provides for a lump sum payment of a portion of the death benefit in cases where the insured faces a life threatening illness.
Disability Income - Provides a monthly income for a period of time to maintain your family’s way of life should you become totally disabled, due to bodily injury directly resulting from an accident or critically ill. You can receive cash benefits to help with unforeseen expenses that can quickly erode your family’s budget.
Return of Premium - Can return to the owner 100% of the eligible premiums paid on the base plan and riders.
Waiver of Premium - Waives the premium required on the premium due date as long as the insured is totally disabled and unable to work (while the rider is in effect).
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