Install
Term Life terms
Level-premium cover for a set number of years, and what happens when it ends.
Conversion privilegeA term policy feature that lets the owner switch to permanent coverage with the same insurer without new medical underwriting, within set deadlines.Decreasing term insuranceTerm life coverage whose payout shrinks on a set schedule over the policy's term, often to track a mortgage or other loan balance.Guaranteed renewableA provision giving you the right to renew coverage at the end of each term without new medical underwriting, at a higher age-based premium.Level premiumA premium that stays the same each year for a set period or for life, with early overpayments offsetting the rising cost of coverage at older ages.Level term insuranceTerm life coverage whose death benefit and premium both stay fixed for a set period, such as 10, 20 or 30 years.Mortgage life insuranceCoverage marketed alongside a home loan that pays off the remaining mortgage balance if the borrower dies, traditionally paying the lender directly.Return of premium riderAn add-on to a term policy that refunds the premiums paid if the insured is still living when the level term ends.Term life insuranceLife coverage for a set number of years, such as 10, 20 or 30, that pays a death benefit only if the insured dies within that period.