Life coverage
Term life insurance.
A fixed amount for a fixed number of years, at a level premium. The most coverage per dollar while a mortgage and children are in the picture.
What it covers
The parts worth getting right.
- Terms commonly written over 10, 20 or 30 years
- Level premium for the whole term
- Renewable and convertible options
- Coverage sized to a mortgage, an income, or both
Commonly missed
Convertibility is the feature worth checking. It lets you move to permanent coverage later without re-proving your health.
Get a QuoteWorth knowing
Convertibility is the clause that matters. It lets you move to permanent coverage later without proving your health again.
Common questions
Asked most about this.
What term length should I take?
Long enough to outlast the obligation. A twenty five year mortgage and young children usually point at a twenty or thirty year term.
What happens at the end of the term?
It either ends or renews at a much higher rate. Converting before then is usually the better option, which is why the clause matters.
Want this priced properly?
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