Most Term 10 and Term 20 policies in the market provide level insurance coverage to insurance age 85, with premiums changing every 10 or 20 years, depending on which plan is chosen.

Term 10 and Term 20 can be policies in themselves or riders attached to other term insurance or a universal life policies. In addition, Critical Illness riders can be added to some Term 10 and Term 20 policies.

You may also choose to convert your Term 10 or Term 20 policy to a permanent Life insurance plan based on conversion privilege clause in your policy at any time prior to stipulated age - without any proof of insurability.

Some term policies offer Preferred Rates Program, leading a healthy lifestyle can pay off by getting you preferred rates on Term 10 and Term 20 products. Whether it's for individual or joint protection, or to insure a mortgage or loan for a business, term insurance will meet your needs.