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Term Life

Provide your clients with simple and low-cost life insurance options. Term life insurance can be a great option for individuals, couples, or business owners who have a debt, mortgage or other financial obligations, and who want to provide for beneficiaries or protect their company.  

Product details

Understand how our term life plans can help your clients.

All term life plans can be converted to a permanent plan at any time before age 71. Term 10 plans can be exchanged to a Term 15, 20, 25, or 30 plan and Term 15 plans can be exchanged to a Term 20, 25, or 30 plan footnote star. Clients can also choose to have their coverage issued on a single life, combined life or joint last-to-die basis.

Term 10, 15, 20, 25, and 30 plans are:

  • Renewable and convertible
  • Premiums are guaranteed

    Our Term Life options

    For more comprehensive coverage, rider options are available for all term insurance plans, including:

    • Critical Illness
    • Accidental Death
    • Children’s Term Insurance Benefit
    • Waiver of Premium
    • Business Guaranteed Insurability Option

      Forms & materials

      • Term Insurance Product Overview 215E
      • Your Insurance Options (719E)
      • Insurance Needs Analyzer 359E
      • Understanding Term Life Insurance 343E
      View all forms & materials

      Tools

      • Wave Illustration System

        Generate professional quotes with ease, to assist in reliable insurance planning.

        Learn more
      • SmartApp

        Say goodbye to paper with our easy-to-use digital platform that streamlines life and critical illness insurance applications. Enjoy a fast, secure way to manage client applications.

      Insights

        Contact us

        Have questions? Call or email us today for more information about how we can help you.