Termsetter and Termsetter ROP

                  Term life insurance is a cost-effective choice if you face growing responsibilities on a limited budget, expect your financial responsibilities to decrease after a limited period or want to free your funds for other uses.

                  Termsetter and Termsetter ROP offer a variety of options to provide you with flexibility to build an insurance program based on your individual insurance needs.

                  Termsetter provides a level term death benefit with available guaranteed periods of 10, 15, 20, 25 and 30 years. Termsetter ROP features level term death benefits and guaranteed periods of 20, 25 and 30 years, including a money-back guarantee with the return of premium feature. Termsetter ROP guarantees the base premium (excluding riders and substandard premiums) is returned to you at the end of the guaranteed term period provided the policy is in force and you are living.

                  Insurance that protects

                  Loans
                  Term life insurance proceeds can help pay off your mortgage if you or your spouse were to die. And a mortgage isn’t the only financial burden your family may face when you die. Term life insurance proceeds can also help pay off car, business or personal loans.

                  Education Expenses
                  Your children’s educational needs can increase your family’s financial needs. You may have already borrowed some or all of this expense. With term life insurance this budgetary need may be fulfilled.

                  Financial Stability
                  Term life insurance proceeds provide a source of income for your family when they need it most.

                  Protection that saves

                  Starter Coverage
                  Term life insurance provides economical coverage for a specified period of time, such as 10, 15, 20, 25 or 30 years. You choose the coverage period that suits your family’s needs and financial budget.

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