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couple who just moved chose simple choice term life insurance

Simple Choice Term Life Insurance

Term life insurance may be an effective financial solution for people who need coverage for a specific period of time.

When you have children, a mortgage or other major expenses, life insurance may not be the first thing on your mind. But not having coverage may put your family's financial future at risk. Simple Choice Term Life Insurance provides affordable protection that helps suit your immediate life insurance protection needs.

Your premium is guaranteed to remain the same for the coverage term you select: 10, 15, 20 or 30 years regardless of your age or health. If you pass away at any time during your policy term, your beneficiary will receive the guaranteed death benefit – funds that can help protect your loved ones.

Benefits of Simple Choice Term Life Insurance

Flexible and dependable to fit your needs, Simple Choice Term Life Insurance offers affordable protection:

  • Choose coverage amounts starting at $25,000
  • Your premiums stay the same for your chosen coverage term: 10, 15, 20 or 30 years
  • Guaranteed death benefit at any time during your coverage period
  • Option to convert to permanent insurance after policy is issued1
  • Accelerated Death Benefit Rider if the insured has a chronic and/or terminal illness
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Could This Term Life Policy Be Right for You?

Because of its affordability, term life insurance policies are preferred by many for initial coverage. Then, as their needs change, people convert some or all of their policies to permanent life insurance to help give their families an even greater level of financial security. 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 Level Term Life Insurance

After the coverage period, if you choose, you can renew coverage annually with an increasing premium scale. During your term period, you can also choose to convert to a permanent insurance policy.

The Standard Conversion option allows you to convert the term policy to permanent insurance within 5 years of the issue date, but not after age 65.

The Enhanced Conversion option allows you to convert the term policy to permanent insurance over the entire term period, but not after age 70. This is available at an additional cost.

You can personalize your Simple Choice Term Life Insurance policy by adding riders, or add-ons, to your policy at issue. Available at an additional cost, benefits include: Accidental Death, Waiver of Premium, Children's Term Coverage, and more.

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Consider Simple Choice Term

Learn about our term life insurance policy, and determine if it's the best choice for your needs.


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1 Increases in coverage are subject to new underwriting.

Individual Term Life Policy Series ICC18 1801-307 WSA issued by Western-Southern Life Assurance Company, Accelerated Death Benefit Rider 1308-301 WSA, 1308-331 WSA, Accidental Death Benefit Rider 9401-3540 WSA, Waiver of Premium ICC18 1801-302 WSA, Children Term Life Insurance Rider ICC10 1103-2675 WSA issued by Western-Southern Life Assurance Company, Cincinnati, Ohio, which operates in DC and all states except NY.

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.