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Take Care of Your Loved Ones With Our Simple Choice Annual Renewable & Convertible Term Life Insurance

We have such busy lives - kids, career, health and more. With so much going on, it may be tempting to set life insurance on the back burner. But it is important to think about the unexpected: if something were to happen to you, will your loved ones' financial futures be taken care of? Simple Choice Annual Renewable & Convertible Term (ARCT) Life Insurance gives you life insurance protection that helps to meet your temporary needs.

ARCT guarantees your life insurance coverage and premiums for 20 years at issue ages 18 to 39 or for 15 years at issue ages 40 to 61, as long as you pay your premiums, regardless of changes in your health or lifestyle. At the end of each one-year term, the premium increases to the appropriate amount for the new attained age of the insured.

Benefits of Simple Choice Annual Renewable & Convertible Term

A low-cost option now and flexible for your future needs, Simple Choice Annual Renewable & Convertible Term life insurance offers:

  • Guaranteed premiums that are fixed for the first year and increase every year at pre-determined rates that are agreed upon at time of issue

  • Guaranteed coverage as long as you pay your premiums

  • Easy conversion to permanent life insurance as your financial needs change

  • Coverage available in amounts from $25,000 to over $1 million
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Could This Term Life Policy Be Right for You?

Simple Choice Annual Renewable & Convertible Term life insurance can be a great alternative for people who know their needs are temporary, and seek an affordable alternative. When your needs change, it's easy to convert this term insurance policy to a permanent, or whole, life insurance plan. And as long as the coverage amount is the same or less, no medical exam or additional underwriting will be needed. Consider term life insurance if:

  • You are just starting out and your primary focus is on yourself and your own security.
  • You are making big changes in your life as you begin or change careers, get married, purchase a first home or start planning for a family.
  • You are beginning to understand the importance of insurance due to increasing financial burdens, new assets and having loved ones to protect.
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Details About This Renewable & Convertible Term Life Insurance

When you purchase an ARCT policy from Western & Southern Life, we will guarantee your premiums for the first year and lock in your rates for each of the following years during the term. You can renew your coverage at the end of the one-year term or choose to allow the coverage to terminate.

Although your premiums will change yearly as your age changes, we guarantee they will never vary from the original rates that we quote you once issued. If you pass away during your policy one-year term, your beneficiary will receive the guaranteed death benefit — the money they will need to help protect the lifestyle you've envisioned for them.

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Learn More About Term Life

Term life insurance may be more affordable than you think.


Learn More About Life Insurance

We can help insure the ones you love. Life insurance can help keep your financial life on track.


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Annual Renewable Convertible Term series 0701-306 WSA issued by Western-Southern Life Assurance Company, Cincinnati, Ohio, which operates in DC and all states except AK, NH, NY and RI.

These policies and benefits may not be available in all states, and benefits may vary by state.

Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.

Life insurance products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.