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Our Plans

Online Individual Term Insurance
  • Simple, online application
  • No medical
  • Customizable coverage from 10 to 40 years, and up to $500,000

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Renewable Term Insurance
  • Renewable coverage
  • Decrease coverage anytime
  • Flexible: 10-, 20- and 25-year policies up to $1,000,000

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PermaTerm 100 Insurance
  • Coverage as long as you live
  • Benefit never decreases
  • Level rates

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Critical Illness Insurance
  • Covers lost wages during recovery
  • 16 illnesses and injuries covered
  • Coverage from $25,000 to $250,000

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Online Individual Term Insurance

A simple, easy, and private way to insure your family. Those with fixed-term insurance needs, such as parents of growing families, will benefit from our online, self-serve, and highly customizable life insurance.

Initial Eligibility Ages 18-60
Coverage $25,000-$500,000 depending on age:
Maximum coverage available:
Ages 18-50: $500,000
Ages 51-55: $300,000
Ages 56-60: $100,000
Duration Customize coverage from 10-40 years
Premiums Paid for the duration of the product
Renewable/Convertible No
Underwriting Online, no medical tests
Payments Online, monthly
Renewable Term Insurance

Flexible, easy, and trusted way to include life insurance in your estate planning. If you have longer-term financial needs or a more involved health history, benefit from a plan with more options and features that grows with your family, over time.

Initial Eligibility Ages 19-65 (60 for Term 25)
Coverage $50,000-$1,000,000
Duration 10, 20, 25 years
Premiums Paid for the duration of the product
Renewable/Convertible Yes – guaranteed
Underwriting Traditional: paper application and medical exam
Payments Online; monthly or annually
Child Rider
Initial Eligibility Ages 30 days-15 years
Coverage $5,000 or $10,000
Duration To age 19, then convertible at 5 times the coverage to a designated Teachers Life product
PermaTerm 100 Insurance

Protect your family’s future and ensure your legacy. This plan ensures loved ones benefit from your hard work and planning. Whether for a growing family or while in retirement, this plan can be a cornerstone of your estate planning.

Initial Eligibility Ages 20-70
Coverage $10,000- 500,000
Duration Lifetime or age 100 (proceeds paid if still living)
Premiums Paid for the duration of the product
Underwriting Traditional: paper application and medical exam
Payments Online; monthly or annually
Child Rider
Initial Eligibility Ages 30 days-15 years
Coverage $5,000 or $10,000
Duration To age 19, then convertible at 5 times the coverage to a designated Teachers Life product
Critical Illness Insurance

Help take the financial worry out of a serious diagnosis. When bad health news happens, you may wonder “what’s next?” With this plan, financial instability won’t be. People often add this plan to their existing insurance plans for comprehensive insurance coverage.

Initial Eligibility Ages 21-65
Coverage $25,000-$250,000
Duration To age 75
Premiums Paid for the duration of the product
Survival Period 30 days
Underwriting Traditional: pre-screen, paper application and medical exam
Payments Monthly or annually

Not sure what plan suits you best?
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Find the right life insurance product for YOU

So you’re looking at life insurance. How do you know what product is right for you?
This quick tool will help guide you to the best product for your needs.

1
Which best describes where you are in your career?
2A
What do you need coverage for?
2B
How long do you need coverage to last?
3A
How healthy do you consider yourself?
3B
Are you comfortable with blood tests?
4
How often do you shop online?
Retrieve an Existing Quote.