Term insurance – where innovation meets tradition

Do you want life insurance, but don’t need the cash-building potential that universal insurance provides? Do you want to minimize cost while maximizing protection? Then, term life insurance is your best option.

What is Level Term Life Insurance?

A level term life policy means that, for a set term period, your premiums will remain the same, meaning your contribution will never change despite time or health conditions.

You can choose the policy insurance amount and length of time that meets your insurance needs. At the end of the selected period, the policy will be renewed each year and coverage will end at age 95. When your chosen time is up, the policy will increase annually based on your current age and financial conditions. The number of years you can select for your term policy coverage are 10, 15, 20, and 30 years.

Critical illness

Provides accelerated benefit payment if an eligible insured has a critical illness. Critical illnesses covered include 16 conditions such as: heart attack, stroke, cancer, among others.

Chronic disease

Provides payment of an accelerated benefit if an eligible insured is unable to perform two of six activities of daily living or has a severe cognitive impairment.

Terminal disease

Provides payment of an accelerated benefit if an eligible insured has a chronic illness or condition that will cause death within 24 months or less.