Term Plans

For Temporary Needs
Are your life insurance needs temporary? Many people’s needs are, indeed, temporary – even though they may be of long duration. Your mortgage, business loans, educational funds, and needs of children at home are some examples of temporary needs that can be met with term life insurance.

Term insurance – as its name denotes – remains in effect for the term of the policy. When the term ends, your coverage stops – although you do have the option of renewing the policy (for another term) or converting it to a permanent plan. For these wide-ranging needs, we offer a full range of term insurance plans. Because the protection they provide is temporary, these plans are lower-priced than permanent plans for the same amount. Here are some of our available policies:

Annual Renewable Term	Level Term Insurance
Ultra Premier Term	5 Year Term
Premier Term	10 Year Term
15 Year Term	20 Year Term
Term to 65	Decreasing Term Insurance

• Permanent Plans - Policy lasts as long as you

  live, premium stays the same.
• Term Plans - Policy ends at end of specified

  term: renewable or convertible.
• Annuities - Provides an income that is

  guaranteed for life.
  
• Long Term Care - Provides funds for

  long-term care out-of-hospital care.