Product Comparison

Online Individual Term Insurance

Renewable Term Insurance

PermaTerm 100 Insurance

Eligibility ages 18-60 19-65 20-70
Coverage max. $100,000-$1,000,000 $1,000,000+ $500,000
Application underwriting Online application Paper/traditional Paper/traditional
Medical questionnaire Yes Yes Yes
Medical exam/fluids No Yes Yes
Max. coverage age 60 85 100
If approved, coverage effective Immediately after application 4-6 weeks 4-6 weeks
Renewable/ convertible Non-renewable/ non-convertible Guaranteed renewable/ convertible 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 $100,000-$1,000,000 depending on age:
Maximum coverage available:
Ages 18-45: $1,000,000
Ages 45-50: $500,000
Ages 51-55: $250,000
Ages 56-60: $150,000
Duration Terms from 10, 15, 20, up to 25 Years
Premiums Affordable monthly premiums starting as low as $5 a month. Premiums will not increase during the term.
Renewable/Convertible No
Underwriting Online approve or decline. No medical exam.

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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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Need help applying?

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