Level Term Coverage
With a level term policy, you can protect your mortgage, fund your buy-sell agreement and provide collateral for your loan. These policies allow you to pay a set premium that will not increase until your term duration is complete. These policies may allow you to convert to a permanent policy without underwriting.
Whole Term Coverage
Receive guaranteed coverages long as you live. If you pay your premium (and any outstanding loan interest), we guarantee a death benefit even if you live to be 120. If you want to stop payments, you can use the reduced paid-up feature and secure a guaranteed death benefit.