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Term to 100

Term to 100 (T100) is guaranteed permanent life insurance coverage that provides for long-term security needs. It offers standard face amounts and guaranteed level costs of insurance for the life of the benefit with no cash surrender value.

Features

Main characteristics

  • No cash surrender value
  • Amounts and costs of insurance leveled and guaranteed for life
  • T100 is the most economical permanent insurance and is often used to cover taxes payable at death
  • Available as joint or individual protection

Product description

Issue age

  • 0 to 75

Premiums

  • Level and guaranteed

Premium payment period

  • Up to age 100

Coverage period

  • For the lifetime of the insured

Minimum face amount

  • $25,000

Maximum face amount

  • $10,000,000*

Rate bands

  • $25,000 - $49,999
  • $50,000 - $99,999
  • $100,000 - $249,999
  • $250,000 - $499,999
  • $500,000 - $999,999
  • $1,000,000 and more

Policy fee

  • Basic Coverage: $40
  • Each Additional Coverage: $40

Insured life options

  • Individual
  • Joint 1st to die (2 to 5 insured)
  • Joint last to die (2 insured)
  • Joint last to die with Waiver of premium at 1st death (2 insured)

Conversion

  • T100 is an eligible product for conversion, with the exception of group insurance.

Rate reduction program

Critical illness advance

  • Yes

Sales material

To order, complete and submit the marketing supply requisition form.