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Annual Renewable Term (A.R.T.) & Permanent Life

Life Insurance offers a level death benefit to age 75 with affordable and competitive initial premiums increasing annually.
Not everyone needs lifetime coverage. In fact, there are many situations where
short- or limited-term insurance is a better fit. Signature Term life insurance policies
come in two options – Annual Renewable Term (ART) and Level Premium Term.
Both options provide excellent coverage for varying durations, and the choice
comes down to which type of life insurance you need.

Premiums are generally lower for term insurance than for permanent life
insurance. With the term policy, you’ll pay a regular premium for the length of the
term in exchange for a fixed amount of coverage for that same period.

Whether you choose an ART or a Level Premium term option, below are the policies
provide:
     • Affordable term life insurance protection.
     • Guaranteed level premiums during your initial 10, 15, 20 or 30-year policy.
     • Potential for conversion to a permanent life policy with premium credits.
     • Free-living benefit riders provide a cash benefit in case of qualifying terminal, chronic, or critical illness.
     • Fast approval accelerated underwriting.
     • Simplified non-medical underwriting.
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Permanent Life Insurance

Many people who own life insurance think about how it can help their families. Life insurance can be used to replace income, pay off a mortgage, and even help with medical expenses. This kind of protection is called life insurance—and most people know someone who has it. But did you know that life insurance also has other benefits? How can benefits help you? What are your thoughts about benefits? You’re not alone in asking these questions.
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