A term life insurance policy from Equitable Financial is simple, affordable life insurance protection. It pays a level death benefit and can be purchased for a span of time you want covered. Best of all, proceeds from the death benefit are generally income tax-free and can be used however you want.
Term Series life insurance is the simplest way to apply for affordable insurance protection for temporary needs, ensuring loved ones are protected from financial hardship if anything should happen. It’s ideal for short- and medium-term needs, like replacing income or putting kids through college
Depending on the product you choose, premiums are guaranteed to remain level for 10, 15 or 20 years.
Yes. However, premiums will increase annually after the level premium period.
A term life insurance policy 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.
Yes. A Term Series policy can be converted to a permanent life insurance policy without the need to provide additional evidence of insurability, as long as the policy is still eligible for conversion.¹
¹ Current conversion rules provide that you may convert to certain permanent products that Equitable Financial or its affiliates offer within a certain time period, subject to our rules then in effect as to plan, age and class of risk.
² Please note that not all products, features and riders are available in all jurisdictions. Contact your financial professional for complete details. Life insurance is subject to exclusions, limitations and terms for keeping it inforce. Your financial professional can provide you with complete details.
Term Series 160 is issued in all jurisdictions by Equitable Financial Life Insurance Company, 1345 Avenue of the Americas, NY, NY 10105. TermOne® Series 160 is issued in all jurisdictions by Equitable Financial Life Insurance Company and is issued in all jurisdictions except New York and Puerto Rico by Equitable Financial Life Insurance Company of America (Equitable America), an Arizona stock company with an administrative office located in Charlotte, NC. Term Series 160 and TermOne® Series 160 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, 1345 Avenue of the Americas, NY, NY 10105.
TermOne® is a registered service mark of Equitable.
Level term policy form #s: ICC14-156-LT, 156-LT or state variations.
ART policy form #s: ICC14-156-54, 156-54 or state variations.
TermOne® policy form #s: ICC07-148-51, 148-51 or state variations.
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.
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-7235055.1 (11/2024) (Exp. 11/2026)
