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Secure lifelong financial protection with simple, reliable coverage that supports your family and future, no matter what comes next.
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A simple, permanent life insurance plan with fixed premiums and lifetime coverage without cash value growth.
Term 100 Life Insurance is a straightforward, cost-effective permanent insurance plan that provides coverage for life. Unlike term policies that expire after a set period, this plan stays active as long as premiums are paid. Premiums remain constant and stop at age 100, but coverage continues. It’s designed for individuals who want reliable, long-term protection without the complexity of investment components.
A lifetime policy with guaranteed premiums and a tax-free payout to your beneficiaries. Once approved, your Term 100 policy remains in effect for your lifetime. You pay fixed premiums until you reach age 100, after which you no longer have to make payments, but your coverage continues. Upon your passing, your beneficiaries receive a tax-free lump sum death benefit, providing financial security for their future. This policy is ideal for covering final expenses, estate taxes, or leaving a financial legacy.
Best for individuals looking for lifetime coverage at an affordable, fixed cost. Term 100 Life Insurance is ideal for those who need permanent coverage without the higher premiums of whole life policies. It’s perfect for:
Seniors who want a cost-effective permanent plan.
Estate planners looking to leave a financial legacy.
Individuals who don’t need cash value accumulation but want guaranteed protection.
Business owners needing coverage for long-term financial obligations.
Follow these simple steps to get personalized insurance for yourself and your family.
Click on Apply Now to schedule a free consultation with the founder.
Provide the required documents to complete your insurance application.
Receive a personalized insurance policy designed to meet your specific coverage needs.
Once approved, you’ll receive your insurance certificate and be fully covered.
Lifetime coverage, guaranteed premiums, and a tax-free payout for your loved ones.
Permanent coverage with fixed premiums until age 100.
Premiums remain stable, offering affordable payments.
Coverage continues for life, even after premiums stop at age 100.
A straightforward policy with no added complexities.
Helps cover estate taxes & offer a legacy for beneficiaries.
A portion of premiums earns interest, not taxable within policy.
Leave a substantial, tax-free sum to your beneficiaries.
Provides a tax-free death benefit to your beneficiaries or estate.
Understand the key differences between these two permanent life insurance options.
While both Term 100 and Whole Life Insurance offer lifelong coverage, they differ significantly.
Term 100 has lower premiums, while Whole Life is more expensive due to cash value accumulation.
Term 100 has no cash value; Whole Life builds savings over time.
Whole Life offers loan and withdrawal options, while Term 100 is a pure insurance policy.
Get lifelong security with coverage that doesn’t expire—just simple, permanent protection your family can count on, year after year.
Schedule A MeetingFixed premiums based on age, health, and coverage amount.
Term 100 Life Insurance costs depend on:
Younger applicants pay lower premiums.
Healthier individuals get better rates.
Higher coverage means higher premiums.
Choose a payment plan that suits your financial needs.
With Term 100 Life Insurance, you have two main payment structures:
Fixed premiums payable until age 100.
Pay higher premiums for 20 years, then stop payments while keeping coverage for life.
Both options ensure long-term protection with stable costs.
Understand the limitations to make an informed decision.
While Term 100 provides comprehensive coverage, it may exclude:
Suicide within the first two years of the policy.
Death due to undisclosed pre-existing conditions.
Fraudulent claims or misrepresentation of information.
*Always review the policy details to ensure you understand what’s covered.
Enhance your policy with added benefits like premium waivers and accidental death coverage.
Some Term 100 policies offer optional riders to customize your coverage., such as:
Stops premium payments if you become totally disabled.
Increases your payout if death occurs due to an accident.
Allows you to increase coverage later without medical exams.
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Wondering how Term 100 Life Insurance works? Our FAQ explains it in simple terms—so you know exactly what’s covered, how it works, and why it matters.
