Our Policies

At the end of your term, your policy doesn’t just stop -it’s renewable for life! At the end of your first term, the policy renews as a Term 10 until age 85. At age 85, your policy then renews as a Term to 100 with level premiums to age 100. Then at age 100, your policy becomes fully paid up – no more premiums ever!

You can exchange your term policy for a permanent policy up to age 71 – with no medical exam! Our term policies let you lock in lifetime coverage even if you’re completely uninsurable. The convertible feature is also commonly used to get a small permanent policy as you near retirement. When your first term is up, simply use the conversion option then reduce the coverage amount down to the minimum – you’ve now got a small final expense/burial policy without a medical exam! The conversion option is included in your premiums, at no additional charge.

Exchange your term for a newer, longer term policy in the first 5 years of your policy. If you purchase a term 10 for budget reasons, once your budget frees up you can swap to a term 20 or term 30 in the next 4 years – no medical exam! The exchange option is included in your premiums, no additional charge.

Option to add $100,000 of term 10 critical illness insurance to your term life insurance policy.

If you have a limited life expectancy (generally less than 1 year), you may qualify to access up to 25% of your death benefit while you’re still alive.