Term-in-10sm is quality life insurance for a fast-paced world

Frequently asked questions about Term-in-10sm life insurance With Term-in-10sm, you get the most protection for your premium dollar without the hassle of a long application.1 Our all-digital, instant-issue process allows you to get term life insurance without a medical exam, for the time period you need, at a cost you can afford — all in 10 minutes or less.

Features and benefits

An Equitable Term-in-10sm term life insurance policy is the simplest way to receive affordable insurance protection for temporary needs, ensuring loved ones are protected from financial hardship. It’s ideal for short- and medium-term needs, like replacing income or putting kids through college.
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It takes 10 minutes or less

The application for Term-in-10sm is all digital and requires no medical exam, saving you time and the hassle of underwriting.

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The freedom to select your coverage

With Term-in-10sm, you choose from 10-, 15- or 20-year guaranteed level premiums to get the coverage you need.

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Predictable, affordable premiums

Once the death benefit amount and term duration are chosen, the premiums you pay for the coverage are guaranteed never to increase.
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Pay the easy way

Pay premiums using credit, debit or Apple Pay® — just another way Term-in-10sm is easy and convenient.

Frequently asked questions about Term-in-10sm life insurance

  • Why would I choose a term life insurance policy?

    A study showed that 42% of families would face financial hardship within 6 months if the primary wage earner were to die unexpectedly.2 A term life insurance policy can provide replaceable income against these types of financial hardships.
  • Why would I choose Term-in-10sm over other term life insurance policies?
    Term-in-10sm offers a fast, all-digital term life insurance quote and policy, all without a medical exam.
  • How do I know if Term-in-10sm coverage is right for me?
    Term life insurance policies like Term-in-10sm may be the right choice if you plan to keep the policy for the level premium period. If you think you may need coverage after the level term period, you should talk to your financial professional to determine if a permanent policy is better suited for your needs.
  • How long do my premiums remain level?
    Depending on the length of the term coverage you choose — 10, 15 or 20 years — the premiums are guaranteed not to increase for that particular coverage length.
  • Can a Term-in-10sm policy convert to a permanent life insurance policy if my needs change?
    Yes. If your needs change and you require coverage for an extended period, you have the flexibility to convert your Term-in-10sm policy to a permanent life insurance policy. And, because you’re already insured, you won’t need to provide additional evidence of insurability.

Let’s take the next step

Speak to your financial professional to determine how Term-in-10sm can help with your financial goals.

Prepare for a conversation with your financial professional.

  1. Download this Term-in-10sm brochure to help your conversation.
  2. Watch this client video to see the Term-in-10sm process in action.  

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1 The insured still needs to qualify for coverage, so it is not guaranteed issue.

2 LIMRA: limra.com/en/newsroom/news-releases/2021/study-finds-covid-19-spurs-greater-interest-in-life-insurance.

This product may not be for everyone who needs additional protection. Additionally, other fully underwritten comparable products may be available at a reduced premium. Please talk to your financial professional for more information.

Term-in-10sm may not be available in all jurisdictions. Some states may vary the terms and conditions. A life insurance policy is backed solely by the claims-paying ability of the issuing life insurance company. It is not backed by the broker/dealer or insurance agency through which the life insurance policy is purchased or by any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing life insurance company.

Term insurance policies are issued by Equitable Financial Life Insurance Company and are co-distributed by Equitable Network, LLC (Equitable Network Insurance Agency of California in CA; Equitable Network Insurance Agency of Utah in UT; Equitable Network of Puerto Rico, Inc. in PR) and Equitable Distributors, LLC.

Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY); Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC; and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). The obligations of Equitable Financial and Equitable America are backed solely by their claims-paying abilities.

GE-7235083.1 (11/2024) (Exp. 11/2026)