Protection when you need it, with a guaranteed, tax-free payout

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.

Why buy a Term Series life insurance policy from Equitable?

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.

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The freedom to select your coverage

Term Series life insurance allows you to 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 is chosen, the premiums you pay for the coverage are guaranteed never to increase.

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A wide choice of riders

Tailor your Term Series life insurance policy to your needs by taking advantage of policy riders.

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The chance to pay lower premiums first

An Annual Renewable Term (ART) policy offers premiums that are guaranteed for the first 3 years, then increase.

Frequently asked questions about term life insurance

  • How long do my term life insurance policy premiums remain level?

    Depending on the product you choose, premiums are guaranteed to remain level for 10, 15 or 20 years.

  • Can I keep my policy after the level premium period?
    Yes. However, premiums will increase annually after the level premium period.
  • How do I know if a term life insurance policy from Equitable is right for me?
    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.
  • Can a Term Series policy convert to a permanent life insurance policy if my needs change?
    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

Let’s take the next step

Speak to your financial professional to determine how a Term Series life insurance policy from Equitable can help with your financial goals.

Prepare for a conversation with your financial professional.

  1. Download this Term Series client brochure to help your conversation.
  2. Ask if Term Series fits your specific needs.

Don’t have a financial professional? Learn more about working with a financial professional. 

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Sign in or register for account balances, transactions, service request forms and advisor contact information. Visit customer service for contact information and forms.

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.

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)