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Term 100 Life Insurance

The name "Term 100" is somewhat of a misnomer as Term 100 is a permanent life insurance plan.  Term 100 is the simplest form of permanent life insurance.  Premiums are guaranteed throughout the life of the contract as well as a guaranteed level death benefit.

Term 100 Life Insurance is used for those with a permanent need for life insurance.  This may include using Term 100 for covering final expenses, paying for final taxes, or leaving a Planned Gift to your favourite charity upon death.

Depending on the plan chosen, the premiums may be paid throughout your life or for a limited period such as 10 or 20 years or to age 65.  These premiums are fixed and guaranteed for the premium paying period.

Term 100 plans usually are convertible to a Universal Life plan.  If you plan to convert your Term 100 plan to a Universal Life plan in the future, be sure it has this feature.  Some plans with much lower premiums don't provide a convertibility option.  Another consideration when purchasing Term 100 insurance is to look at what Universal Life products there are available to convert to with that company.  Universal Life plans vary greatly in the options and benefits they provide.  Upon your request, we can provide you with the information you need to make this informed decision. 

Benefits and riders, such as a Child Term Rider, Accidental Death Benefit, and Disability Waiver, are usually optional features with most Term 100 Life Insurance plans.

A complete analysis of your life insurance needs with a qualified and experienced insurance professional, will help you to determine what your need for insurance may be.  For a no obligation analysis of your insurance planning needs, please contact us to discuss and review your options for your unique situation.

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