Simple protection for a limited time
If you only need life insurance for a certain number of years, or if cost is a prime consideration, Term may be right for you.
Term should be purchased as part of a thoughtful strategy because, over time, the cost of term premiums may exceed that of premiums on permanent insurance.
Smart protection with a specific purpose
Since term insurance can be purchased in large amounts for a relatively low 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. You can choose to pay fixed, level premiums for coverage for 1, 10 , 15 or 20 years, or premiums that increase each year. Increasing premiums may be initially lower than our level premium policy but may be higher in later years.
This is a general summary of the key provisions of our term life insurance policies; however, variations by jurisdiction may apply, and policyholders should refer to the actual policy for a complete description of applicable provisions.
Life Insurance is subject to exclusions, limitations and terms for keeping it in force. Your financial professional can provide you with costs and complete details.
Term life insurance products are issued by Equitable Financial Life Insurance Company (Equitable Financial), New York, NY 10104 or Equitable Financial Life Insurance Company of America (Equitable America). 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. When sold by New York based (i.e., domiciled) financial professionals, Term Series products are issued by Equitable Financial Life Insurance Company of America (New York, NY).
TermOne® is a registered service mark of Equitable Financial Life Insurance Company, New York, NY, 10104.
Level Term Policy Form #s ICC14-156-LT, 156-LT, or state variation.
ART Policy Form #s- ICC14-156-54, 156-54, or state variation.
TermOne® Policy Form #s ICC07-148-51, 148-51, or state variation.
Life Insurance: • Is not a deposit of any bank • Is not FDIC insured • Is not insured by any federal government agency • Is not guaranteed by any bank or savings association