Low-cost protection
Guaranteed level protection for the years contracted at a very affordable cost, with automatic renewal and no insurability requirements.
Term 100
Life insurance
Term life insurance with level protection at an affordable cost, coverage from US$250,000 and guaranteed automatic renewal.
Term 100 benefits for your family
What you get with Term 100
A term policy renewable up to age 100 for people aged 21 to 75, with coverage from US$250,000, periods of 5 to 30 years and an option for return of premiums at 20 and 30 years.
Quality of life for your family
Your spouse will be able to pay the mortgage or rent and living expenses, and your children can stay in their school and even go to university.
Debts covered and a tax-free inheritance
Make sure your debts are covered so your family doesn't inherit them, and leave a tax-free inheritance, in accordance with current legislation.
Starting your career
If you take it out while young, the cost is very affordable and the premium stays level for up to 30 years.
Starting a family
Your family will have the resources to maintain their quality of life: rent or mortgage, living expenses, your children's education and even your debts.
Approaching retirement
Leave a tax-free legacy (in accordance with current legislation) to your beneficiaries and the liquidity needed to avoid a hasty sale of assets after your death.
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Term 100 is term life insurance, renewable up to age 100 and not convertible. It offers level, guaranteed protection for 5, 10, 15, 20 or 30 years at an affordable cost. It renews automatically for the same term, with no insurability requirements.
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The age up to which it can be renewed: 95 for Term 95 and 100 for Term 100. Otherwise they are the same: issue ages 21 to 75, minimum coverage of US$250,000, terms of 5 to 30 years and optional Return of Premiums at 20 and 30 years.
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No. The return of premiums is not proportional. For example, if you take out 20 years and cancel in year 15, you don't get those 15 premiums back. To receive the refund you must complete the 20 years, which also keeps you protected for the whole term.
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It is issued from ages 21 to 75, with a minimum coverage of US$250,000 and a policy fee of US$75 per year. The premium is paid annually, semi-annually, quarterly or monthly.
