Equitable Term-in-10sm

Get the coverage you need in 10 minutes or less with our seamless, all-digital experience.

Term-in-10sm is simple, flexible life insurance protection, featuring an all-digital, non-invasive experience. It’s more than just accelerated underwriting. It’s a no-exam, instant-issue, smart choice for people who need life insurance protection in just 10 minutes or less.

If you’re considering term life insurance to protect the things that matter most but have heard that the process takes weeks, you may want to consider Term-in-10sm

  • It takes just 10 minutes or less – even accelerated underwriting can take several days
  • It’s all digital – that means no exams, waiting or hassles
  • Stay in control – while your financial professional is there to guide you through the process and answer any questions, you’re in control of the application
  • Pay premiums using a credit card, debit card or Apple Pay – just another way Term-in-10sm is easy and convenient

Watch how quick and seamless experience is

The details

Since term insurance can be purchased in large amounts for an affordable premium, it is well suited for shorter-term protection goals, such as extra protection until a mortgage is paid off or children are through college.

Policy length1: 10 years 15 years 20 years
Available to ages: 18-60 18-55 18-50
Can convert to a permanent policy: Within first 5 years Within first 7 years Within first 10 years

Keep up with changing needs

If your needs change and you need coverage for an extended period of time, you have the flexibility to convert your term policy to a permanent life insurance policy.

Having a term policy means you’ve locked in your insurability, and you won’t need to give any additional evidence of insurability when you convert to permanent coverage. You can select from any of Equitable’s permanent life insurance policies available at the time of conversion.2

Download the client brochure to learn more

1 For face amounts of $1,000,000 and below. For ages under 21, the maximum face amount is $500,000.

2 After five years, we reserve the right to limit the permanent product offered.

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 Equitable Advisors financial professional for more information.

Term-in-10sm may not be available in all jurisdictions. Some states may vary the terms and conditions. Term-in-10sm is only available for sale through an Equitable Advisors financial professional.

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. 

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.

Reference to Equitable in this flyer represent both Equitable Financial Life Insurance Company and Equitable financial Life Insurance Company of America, which are affiliated companies. Overall, Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (NY, NY), Equitable Financial Life Insurance Company of 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 and TN). The obligations of Equitable Financial and Equitable America are backed solely by their claims-paying abilities.

GE-6452954.1 (03/2024) (Exp. 03/2026)