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Find Out HowThese Additional Benefits are Included in Your Policy
Once your policy is issued, your premiums are guaranteed for as long as you choose to keep the policy. You have the option of renewing the policy for life.
Your premiums are guaranteed level for the initial term you select – 10, 20 or as long as 30 years. After the initial term you may choose to renew the policy without any medical requirements. At that time, premiums are level in 10 year increments to age 85.
You can exchange your term life insurance policy for a permanent, lifetime policy without any medical information (up to age 71). Since no new medical information is required for this benefit, you can make this exchange even if you’ve become completely uninsurable.
In the first five years of your policy you can exchange your term for a longer term policy, without any new medical information. Not sure if you need a longer policy? This exchange option lets you choose a shorter term now, and extend it to a longer term later.
In the first five years of your policy you can exchange your term for a longer term policy, without any new medical information. Not sure if you need a longer policy? This exchange option lets you choose a shorter term now, and extend it to a longer term later.