Our Policies

Select how long your premiums are guaranteed level for with your choice of 10,15,20, 25 or even as long as 30 years. Once the policy is issued, your premiums are guaranteed to remain level for your selected term - no matter what happens to your health. And in the first 5 years of your policy you can lock premiums in for a longer term using the exchange option.

At the end of your term, your policy doesn’t just stop -it’s renewable for life! At the end of your first term, the policy renews in 10 year increments until age 85. At age 85, your policy then renews as a Term to 100 with level premiums to age 100. Then at age 100, your policy becomes fully paid up – no more premiums ever!

You can exchange your term policy for a permanent policy up to age 71 – with no medical exam! Our term policies let you lock in lifetime coverage even if you’re completely uninsurable. The convertible feature is also commonly used to get a small permanent policy as you near retirement. When your first term is up, simply use the conversion option then reduce the coverage amount down to the minimum – you’ve now got a small final expense/burial policy without a medical exam! The conversion option is included in your premiums, at no additional charge.

Exchange your term for a newer, longer term policy in the first 5 years of your policy. If you purchase a term 10 for budget reasons, once your budget frees up you can swap to a term 20 or term 30 in the next 4 years – no medical exam! The exchange option is included in your premiums, no additional charge.

If you have a limited life expectancy (generally less than 1 year), you may qualify to access up to 25% of your death benefit while you’re still alive.