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Term Life Insurance Health Insurance Info

Term Life Insurance

Term life insurance is the most basic of life insurance options. For a specified premium, you receive a contract to pay a death benefit to your beneficiary in the event of your death during a specified period, or term. Most term insurance has a convertibility option, allowing you to convert a term contract to permanent insurance during the specified premium payment period.

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Common term life insurance options include:

  • 10-year term
  • 15-year term
  • 20-year term
  • 30-year term
  • Annual renewable term
  • Customized year term
  • Return of premium term
  Term Insurance
  Term Life
Concept   Limited premium, Limited protection period
Premiums  Level for specified period
Death Benefit  Level
Cash Value  None
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