Life Insurance

One benefit of term insurance is the ability to convert some or all of the coverage to permanent coverage at a later date with no additional medicals. You are therefore able to purchase a significant amount of life insurance when you are young, and then convert it to permanent coverage, at some point in the future, no matter your health.

Term 10 Coverage

• lowest premiums for life insurance for the first 10 years
• policy renews automatically with premiums increasing every 10 years • ideal insurance for families and young couples

Term 20 Coverage

• lowest premiums for life insurance for the first 20 years
• policy renews automatically with premiums increasing every 20 years
• ideal insurance for mortgage and longer-term commitments

Term 65 coverage

• provides long-term coverage
• premiums remain unchanged until the age of 65
• ideal for longer-term commitments