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Term Life Insurance
Term life insurance provides affordable coverage to meet your temporary needs. You'll receive a guaranteed death benefit for the term you choose, and your payments are guaranteed to remain level for the length of the term.
What a Term Life policy can include:
- Level premiums for 10, 15, 20, or 30 years
- The option to continue coverage at the end of the level term period
- A built-in conversion guarantee
- A choice of riders or add-on benefits to customize coverage
- Temporary coverage without a lengthy application process or medical exam (Simplified Issue only).
Whole Life Insurance
Whole life insurance gives you level premiums, strong guarantees, and valuable protection. It can also build cash value, which you can access through loans.
What a Whole Life policy can include:
- Guaranteed income-tax free death benefit
- Guaranteed level premium
- Guaranteed cash value, which can grow tax-deferred
- A choice of riders or add-on benefits to customize your coverage
- Permanent coverage without a lengthy application process or medical exam
- Death benefit immediately higher than the single premium
- 100% return of premium guarantee
- Minimum guaranteed interest rate (reduced by cost of insurance and expense charges)
- Immediate access to principle