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Our Simple Choice Term Life Insurance Provides You With Flexible, Dependable Coverage

Term life insurance can 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 issued
  • 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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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 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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Learn More About Term Life

Term life insurance may be more affordable than you think.


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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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Individual Term Life Policy Series ICC18 1801-307 WSA issued by Western-Southern Life Assurance Company, Accelerated Death Benefit Rider 1208-301 WSA, 1208-331 WSA, Accidental Death Benefit Rider 9401-1540 WSA, Disability 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 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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