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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.
Calculate My Needs

How Much Life Insurance Do You Need?

Figuring out how much life insurance to buy depends on your annual income and how long your family will need to rely on this income. You can quickly determine your coverage amount by answering three simple questions. For a more detailed analysis, try our advanced calculator, which takes into consideration your assets, debt, final expenses, childcare and education costs.
How many years is your family relying on your annual income?
Advanced Calculator
Final Expenses
Coverage Amount $0
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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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Term Life Insurance

80% of consumers who believe they need life insurance haven’t bought it because they think it is too expensive. (Life Happens, April 2015)

80 percent of consumers misjudge the price for term life insurance, with Millennials overestimating the cost by 213%, and Gen Xers overestimating the cost by 119%. (Life Happens 2015)

In 2016, there was a significant decline in life insurance coverage adequacy for U.S. households.  In 2010, those insured had coverage to replace their income for 3.5 years.  Today that has dropped to 3 years, which is far lower than most industry recommendations. (Limra Facts 2016)

The average insured adult has 3.6 times his or her annual income for life insurance coverage, or $166,600. Salary: $46,333, Life Insurance: $166,800. (How much life insurance do you need? By Barbara Marquand Posted : September 12, 2017. 2017)

But is it enough to provide for all of your family needs?

As a general rule of thumb, it is recommended that you have 8-10 times your salary in life insurance. However, this may be too much, or not enough. Everyone’s personal needs are different. We can help you determine how much is right for you. Talk to us today.

Western & Southern Financial Group

©2017 Western & Southern Financial Group, Inc. All rights reserved.

Annual Renewable Convertible Term Policy Series 0701-306 WSA issued by Western-Southern Life Assurance Company. Renewable and Convertible Term Policy Series 0701-307 WSA and 0701-307-U WSA issued by Western-Southern Life Assurance Company.

Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY and RI. 

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Life Insurance Facts

84% of Americans would agree most people need life insurance, yet when asked, only 70% said they needed any. (Insurance Barometer Study Limra & Life Foundation 2017)

In the event of a tragedy, life insurance can help pay bills, continue a family business, finance children’s education and protect spouse’s retirement plan. (LIFE Happens, 2017)

If the primary wage earner died, 62% of families would immediately have trouble meeting everyday living expenses. 43% of families would have trouble meeting expenses after several months. (Trends in Life & Insurance Ownership Limra 2016)

One in Five households with children under age 18, have no insurance whatsoever. (Limra Facts About Life2016)

Over 100 million adults without life insurance in the United States (“2015 Insurance Barometer Study”, Ashley Durham, LIMRA and Life Happens, April 14, 2015)

7 in 10 U.S. households own life insurance on average the only own enough to replace their household income for 3 years (2016 Insurance barometer Limra)

Almost 45% of U.S. Households say they are likely to buy life insurance in the next 12 months. (Limra Facts About Life 2016)

43% of those age 25-44 are concerned with leaving dependents in a difficult situation should they die prematurely. (2015 Insurance Barometer Study, Life Happens and LIMRA)

Top three reasons for not having life insurance are: 66% say it’s just too expensive for them. 66% say other financial priorities take higher precedence. 54% feel they have as much as they need right now. (Insurance Barometer Survey, 2017)

We can help you insure the ones you love. Start Now.

Western & Southern Financial Group

The Western and Southern Life Insurance Company, Cincinnati, OH, operates in DC and all states except AK, CT, ME, MA, NH, NY, and VT. Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY, and RI.

©2017 Western & Southern Financial Group, Inc. All rights reserved.

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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.

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