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Term Insurance


Designed to meet a temporary insurance need, term insurance is inexpensive at an early age, and expensive at a later age.

Term insurance provides protection when an individual either has a significant liability for a limited period of time or an impaired ability to pay premium temporarily.

These policies, generally, offer some guarantees about renewability or convertibility. Many renewable term contracts have two, different, renewal premiums. One rate which is guaranteed, and the second, which is normally called select or preferred which is not guaranteed.

Fully guaranteed contracts clearly provide greater certainty. Convertible term plans from different insurers have different definitions of convertible. Many companies have internal conversion rules which restrict conversion options to one or two specific plans.
 
 
 
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