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Simple, affordable protection

Term life insurance is a simple, affordable way to protect your loved ones for a specific period of time, such as until your children graduate from school or you are able to pay off a large debt.

The policy pays a benefit to your beneficiaries if the insured person passes during the term your coverage is active.

When your policy term ends, your coverage expires. But you may have the option to convert your term policy to permanent life insurance.

Benefits to you

  • Simple and straightforward protection for your loved ones
  • Less expensive than permanent products
  • Ability to convert to permanent protection


  • Limited coverage period
  • No cash value buildup
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What are the differences between term and permanent life insurance? We’ve created a side-by-side comparison to help you understand the main features of each type and how they compare.

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