You are a good provider and a responsible planner. That’s
why you need term life insurance in the first place – to
protect your family despite unexpected turns and twists in
the future. To help you pay the
mortgage if you should die…cover the cost of the kinds
of education you always planned your children would have…fund
a buy-sell agreement for a business.
There is one thing about the future that’s not so uncertain – the
price of everything is pretty likely to keep going up. But not your insurance
premiums – not if you choose one of our Level Term policies. Level
5, Level 10, Level 15, Level 20, Level 25 and Level 30 are all very affordable
to begin with and their premiums are guaranteed not to change for the full
level period that best meets your needs. And if those needs change, you
can change your coverage as well: all the Level Term polices are convertible
to high-quality Guardian or GIAC permanent life for the first 10 years
they’re in force.* We’ll even give a credit toward your new
policy’s premium.
So which Level Term is the right one for you? They all have some desirable
features in common:
- Premiums are guaranteed level or the entire five, 10, 15, 20, 25 or 30 years, despite any changes you might be going through. After that premiums change to competitive yearly renewable term insurance rates.
- Renewable to age 100** with no further medical exams
- For estate planning, may be converted to survivorship life in an amount equal to both spouses' term policies*** up to $5 million
- Available in face amounts from $1 million up
- No policy fee
- Level 5 and Level 10 available for ages 20 to 70; Level 20 from 20 to 60; Level 30 from 20 to50**
- Waiver of Premium benefit rider is available to cover your premiums if you become totally disabled
The more your life changes, the better it looks.
Take some of the uncertainty out of your life. Get the protection you
need and the flexibility you want at very affordable guaranteed rates.*** Call us today for more information – and be ready for some of those
changes life has in store.
* Conversion privilege: 100% years 1-6, 7-10 years decreases progressively
as described in conversion privilege provision of policy
** State restrictions may apply
*** Rates guaranteed for guarantee period only
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