Term 5 or
Term 10
When your protection needs are short term, this is our most affordable coverage. You have the flexibility to renew automatically every five or ten years, and the security of being able to switch to permanent coverage.

Term 20 or
Term 30
When you consider to cover medium-term needs such as a mortgage to help ensure your family has the finances to maintain their lifestyle. You have the flexibility to renew automatically every twenty or thirty years and the security of being able to switch to permanent coverage.

Term to 100
When you want the stability of locking in your premiums and never worrying about health changes to age 100 and beyond.

Here are a few reasons why term life insurance may be the right choice:
• It’s simple. Term life insurance is one of the simplest forms of life insurance. You’ll always know what you’re paying for, and what your beneficiaries can expect.
• It’s more affordable. Generally, term life insurance offers the most coverage at the lowest initial premium for a set period of time.
• Predictable premiums. Your premiums are fixed and guaranteed not to change for the length of the term.
• It’s flexible. As long as you pay your premiums, you can cancel or change your coverage at any time. You can also convert your term coverage to permanent life insurance coverage without a medical examination.
• It’s a good way to top-up existing group plans. Your life insurance coverage through a group plan may not be enough; and if you change employers, you may lose your coverage. Having your own term life insurance policy will take care of that.