定期网址入口 or short-term life insurance provides affordable protection, 通常有担保的保费, 在一定时期内.1 The premium for term insurance is initially lower than the premium for a comparable whole life insurance policy; however, 每次续签保费都会增加. This initial lower premium usually makes term insurance an ideal choice for individuals with a temporary need for life insurance protection.
在选择定期保险时，这是适合你的, you'll want to be sure to work closely with an agent to understand all the features it offers. 考虑以下:
You can check the financial health of insurers by reading what the independent ratings agencies say about them. A.M. Best, Fitch, Moody 's和Standard & Poor's指的是每年发布业绩的公司 保险公司评级.
1The guarantees of a Term policy are based on the claims-paying ability of the issuer.
2 Premiums are usually lower for term life insurance than they are for permanent life insurance for the same amount of coverage in the early years.
网址入口 policy form numbers: Yearly Convertible Term (ICC18218-135P); Level Premium Convertible Term (ICC18218-60P) SMRU: 1700121