Term Life Insurance

Best for people who need a permanent life insurance plan where premium payments are flexible and death benefits are adjustable.

  • Provides coverage for a specific period of time (e.g., 10, 20 or 30 years).
  • Pays a benefit only if the insured dies during that term.
  • Offers some ability to convert to a permanent policy.
  • Fixed premiums for specified number of years and increased upon renewal.


  • Highest death benefit at the lowest cost.
  • No surrender charges.
  • Makes sense when there is a need for coverage that will disappear at a specific point in time.
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