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Term Life Insurance
Life changes—and your protection should move with it.
Term life insurance is designed to protect the people you love during the years they need you most. It provides coverage for a specific period—10 to 40 years—when responsibilities are high and life is busy: raising a family, paying a mortgage, building stability.
If something unexpected happens, this coverage ensures your loved ones can stay in their home, continue their lifestyle, and focus on healing—not finances.
How It Works
You choose how long you want to be protected. During that time, your coverage stays in place, giving your family a financial safety net exactly when it matters most. When your needs change, your coverage can adapt too.
Your Options
Pick-A-Term
This option lets you choose coverage from 10 to 40 years, giving you flexibility as life evolves. You can keep the same amount of coverage or gradually reduce it as your financial obligations decrease—such as when your mortgage balance goes down.
10-Year or 20-Year Term (T10 / T20)
These plans offer simple, predictable protection for 10 or 20 years with stable premiums. It’s a straightforward choice for families who want clarity, consistency, and peace of mind.
A Safety Net That Grows With You
What makes term life insurance even more powerful is choice. If your situation changes, you may have the option to convert your term coverage into a permanent life insurance plan later—without needing another medical exam. That means protection today, with flexibility for tomorrow.
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Simplified Issue Life Insurance
Access LifeProduct description and characteristics
Access Life is a simplified issue life insurance product for insureds between 6 months and 80 years of age who are more difficult to insure. By answering a few simple medical questions, clients can get permanent or 15-year, 20-year or 25-year term coverage of up to $500,000 depending on their age and their health. Clients who have already been refused or who don’t qualify for the Deferred step due to their health can still get Guaranteed Access coverage of up to $50,000 ($25,000 for insured aged over 50 and $10,000 for children under age 18).
Because everyone deserves access to protection.
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When you choose term life insurance, you’re not just getting coverage—you’re gaining flexibility, security, and peace of mind as life evolves.
Protection that grows with you
If your needs change in the future, you may have the option to convert your term coverage into permanent life insurance—without another medical exam. Your health today can help protect your tomorrow.Coverage that adjusts as life gets lighter
As major responsibilities like a mortgage decrease, your coverage can adjust too—so your protection stays aligned with your real-life needs. (Available with select plans.)Renewable coverage for continued peace of mind
When your term ends, you can renew your coverage, helping ensure your loved ones remain protected even as time moves forward.Savings when coverage is combined
When multiple coverages are in place, you may qualify for discounts—making it easier to protect more while paying less.Support for simple or complex needs
Whether your situation is straightforward or more unique, your coverage is backed by experienced underwriting and dedicated support—so you’re never navigating decisions alone. -
We know no one enjoys long approvals or medical exams. That’s why getting covered can be surprisingly quick and simple.
For many clients ages 18 to 50, coverage of up to $2 million may be approved without a medical exam, thanks to advanced digital underwriting. In many cases, decisions are made fast—and policies can be issued within 24 hours.
If you’re applying for $2 million or more and you maintain a healthy lifestyle, you may also qualify for preferred rates, which means lower premiums and added savings—without extra complexity.
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You can personalize your coverage with optional add-ons designed to support your health, income, and family as life changes.
Health Protection
Extra support if illness or injury disrupts your life.
Critical illness coverage for major health conditions
Hospitalization and home care support
Accident-related medical and paramedical care
Coverage options for children’s critical illness
Income Protection
Helps keep money coming in when you can’t work.
Monthly income support in the event of disability
Premium protection so your coverage stays active during disability
Accident-related benefits that provide added financial support
Family & Future Protection
Coverage that adapts as your family grows.
Protection for children and dependents
Options to increase coverage in the future without re-qualifying
Accidental death coverage for added peace of mind
In short;
These options allow you to build protection around real life—so your plan supports not just today, but whatever comes next.
No Obligation. Just a Conversation.
