What is it?

Level Term Insurance¹ provides life insurance protection that remains level for the amount of time you select; either 10, 15, 20, or 30 years. Once the term period is selected, it cannot be changed.

• Fully guaranteed with level premium payments and term periods of 10, 15, 20, or 30 years.
• If you still need protection after your term period is over, you may renew your coverage each year up to age 95 (less in New York).
• You may also convert this policy to one of our permanent policies. For issue ages less than 65, this policy is convertible in the level term period only (e.g., 10, 15, 20 or 30 years) or age 70, whichever is earlier. For issue ages 65 and over, the policy is convertible for 5 years.

Who's it for?

People who know they need coverage for a certain number of years, such as a small business owner who has a short to moderate-term risk to cover; or people who are unsure of their long-term goals and want something affordable today, with the opportunity to change their minds tomorrow.