Protect your family – maintain their lifestyle through inexpensive, full featured term life insurance.

Term 10

Premiums are guaranteed level for 10 years. This policy is suitable for ages 50+ who are seeking term life insurance coverage until about retirement age.

Term 20

Premiums are guaranteed level for 20 years. This policy is suitable for people in their mid 30's to late 40's who are seeking term life insurance to maintain their family's lifestyle throughout their income earning years and while they have financial dependents.

Term 30

Inexpensive coverage with level premiums guaranteed for 30 years. Well suited for people up to their early 30's seeking to lock in guaranteed premiums until retirement.

All of our term policies offer these benefits included in your policy:

Renewable: After the initial term period, policies are optionally renewable in 10 year increments to age 85. At age 85 your policy is renewable with level premiums to age 100, and at age 100 your policy becomes fully paid up!
Convertible: Exchange your term policy for a permanent policy (premiums level for life) without any medical information - even if you've become uninsurable!. Your policy offers this option up to age 71.
Exchange Option: In the first 5 years of your policy you can 'trade-up' to a longer term (i.e. term 10 to term 20) without any medical information.
Accelerated Death Benefits: While the policy is in force, if you suffer from shortened mortality expectation (generally less than a year) you can apply to receive up to 25% of your life insurance coverage while still alive. This lets you access funds for whatever purpose you choose - travel, healthcare, or family.

1. Guaranteed premiums

Once your policy is issued, your premiums are guaranteed for as long as you choose to keep the policy. You have the option of renewing the policy for life.

2. Renewable term – for life

Your premiums are guaranteed level for the initial term you select – 10, 20 or as long as 30 years. After the initial term you may choose to renew the policy without any medical requirements. At that time, premiums are level in 10 year increments to age 85.
At age 85, your premiums become level to age 100.
And at age 100, your policy becomes completely paid up – no more premiums!

3. Convert to Lifetime life insurance if you become uninsurable

You can exchange your term life insurance policy for a permanent, lifetime policy without any medical information (up to age 71). Since no new medical information is required for this benefit, you can make this exchange even if you’ve become completely uninsurable.

4. Want a longer term?

In the first five years of your policy you can exchange your term for a longer term policy, without any new medical information. Not sure if you need a longer policy? This exchange option lets you choose a shorter term now, and extend it to a longer term later.

5. Access your death benefit while still alive

During the course of your term policy, if your mortality is expected to be less than one year, you can apply to receive up to 25% of your coverage amount while still alive, as a loan from your total death benefit. The loan is then repaid out of the total death benefit coverage, after you pass away. If you have a shortened life expectancy this benefit lets you access some of your death benefit while still alive, and the funds can be used however you choose.