Term Life Policy- 5 Companies Compared: Loan Insurance US

 Term Policy: Choose Yours 

Term Insurance- True Insurance

Term insurance is called the true insurance. The reason is simple - you spend a few dollars from your pocket every month and stay assured that your dear ones will be alright when you are no more. You have the relief, the assurance and the consolation that you need. You buy big for small. It is like a child’s getting a piggybank in a dream.  

For more - Term Life Insurance : Worth a Thought
 

That’s why term policies are eternally popular. And insurers know this. So they come up with newer and competitive innovations off and on. The more does not really make it merrier for you. The more means more confusion to you.  Yes, it does. That is why my today’s post shows you term policies of five companies together. 

The companies are- American Prudential, Allstate, Liberty Mutual, AXA and AIG. Hope you will benefit.

Company name	Policy	Term And Age	Coverage	Riders	Conversion	Renewal	Level	Cash Value	Cost
American Prudential	Term Essential	10, 15, 20, 30 (18-75)	100000 min	Yes, Auto Terminal Illness. Subject to purchase Accidental and Child	after level premium  period /age 65  or 5 year passage	Yes Till age 95 (Premiums going up annually	Yes Periodic (till 65)	No	Subject to health, age, sex
	Term Elite	20-30	100000 min	Yes, auto unemployment And Disability Premium Waiver Optional are subject to purchase	Up to 65 or passage of 5 years		Yes, periodic (till 65)	No	Subject to health, age, sex
	PruTerm Worklife 65	Age 25-55 lasts till 65	100000 min	Auto Disability and Unemployment Waiver	Up to 65	up to 85	Up to 65	No	coverage Subject to health, age, sex
	PruTerm Return of Premium	15-30	Optional	Optional for terminal illness only	Level premium end/65/ 5 year passage			Yes, premium return if policy is in force	Subject to health, age, sex
	PruTerm One	01 (till 95)	optional	For terminal illness and subject to Purchase	End of 5 year	Yes till age 95	No	No	Subject to health, age, sex
Allstate	Basic	15	50000 min.	Yes, death and disability	Yes Between 2nd through 10th	No	Yes, periodic	No	Subject to health history and age
	TruLife	10-30	For 46/+ 500000 For 18-45 200000	Yes	Yes, Between 1st through 10th	Yes, after level term period	Yes, periodic		Subject to health history and age
Liberty Mutual	Liberty Series Passport 10 Liberty Series Passport 20 Liberty Series Passport 30	10-30 (based on age)	50000 min 150000+ min. 1000000 max	Yes Child Death Disability Accidental upon purchase Etc.	Yes  policy-based time frame	Yes, up to 90 with coverage rise	Yes, periodic	Depends on policy	Subject to health, age, coverage
AXA	AXA Equitable Term 10	01, 10, 15, 20	Optional up 50000	Subject To purchase Child, disability and premium waiver	Yes	Yes	Yes Periodic And optional	None	Subject to policy
	AXA Equitable 15	15 years	100000 min	Automatic Terminal illness and above ones	Yes	Yes	Yes, periodic And optional	No	Subject to policy
	Term One	01 year	optional	none	Yes within 5 years	Yes	N/A	Yes, upon conversion
AIG	AG Select a Term	10 years And Anywhere Between 15-30 years	50000 min	Auto Terminal illness Child, Disability Premium waiver upon purchase	Within level period or Till 65	Yes	Yes periodic	No	Subject to health, age, tobacco habit, sex
	AG ROP	10-35	optional	Yes, subject to purchase	Yes throughout (higher premium after level period)	Yes, up to 95	Yes periodic	Yes upon completion of 5 years	Subject to health, age, tobacco habit, sex

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