Product Comparison

Online Individual Term Insurance

Renewable Term Insurance

PermaTerm 100 Insurance

Critical Illness Insurance

Eligibility ages 18-60 19-65 20-70 21-65
Coverage max. $100,000-$500,000 $1,000,000+ $500,000 $250,000
Application underwriting Electronic application Paper/traditional Paper/traditional Paper/traditional
Medical questionnaire Yes Yes Yes Yes
Medical exam/fluids No Yes Yes Yes
Max. coverage age 70 85 100 75
If approved, coverage effective Immediately after application 4-6 weeks 4-6 weeks 4-6 weeks
Renewable/ convertible Non-renewable/ non-convertible Guaranteed renewable/ convertible Guaranteed renewable Guaranteed renewable

Detailed Product Breakdowns

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

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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
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

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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
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

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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

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