Coverage Choices

Coverage Choices. A plan to meet every lifestyle

Term plans provide guaranteed rates for a specified period of time to give you the right level of protection for the right period of time.

SmartTerm Term 10 is a 10 year renewable term product to age 85. The premium rates are guaranteed and increase at each 10th policy anniversary. There is also a conversion option that allows this plan to be converted anytime prior to age 70 to any eligible permanent plan.

SmartTerm Term 20 is a 20 year renewable term product to age 85. The premium rates are guaranteed and increase at each 20th policy anniversary. There is also a conversion option that allows this plan to be converted anytime prior to age 70 to any eligible permanent plan.

Mortgage Protector Plus (MPP) is a plan desigined for the individual looking for flexibility. Mortgage insurance traditionally is paid in the event of a death directly to the lender. In addition, as your mortgage principle is reduced so is your benefit amount, however your insurance premiums stay the same. MPP offers you the flexibility of choosing who your benificiary will be, either the bank, your spouse or even your children. Your coverage decreases at your request so a surplus is available to your family, your coverage is convertible at any time to a permanent plan, and lastly the cost to you is substantially less. Use our smartterm calculator and decide for yourself. Getting more for less – how smart is that.

SmartTerm Term Insurance Plan Features >