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Simple Choice Level Convertible Term Life Insurance

Help ease your mind about your family’s future with this temporary coverage for 10, 15, 20 or 30 years to help cover household expenses.
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Why Choose Simple Choice?

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 may provide 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 protection designed to be affordable:

  • 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 as long as premiums are paid
  • Option to convert to permanent insurance after policy is issued1
  • Accelerated Death Benefit Rider if the insured has a chronic and/or terminal illness2
  • Death benefit proceeds can be paid as an optional monthly income stream with Income Choice Term option

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Could This Term Life Policy Be Right for You?

Term life insurance policies may be a preferred option to some for initial coverage because you choose the amount and duration of the policy that fits their specific situation. Then, as their needs change, people may 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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Customize This Level Term Life Insurance Policy for You

You can customize your Simple Choice Term Life Insurance policy by adding riders, or add-ons, to your policy at issue for an additional cost. 

  • After the coverage period, you can choose to 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. 
  • The Income Choice Term option allows you to choose to have the death benefit paid out as an optional monthly income stream to help loved ones with ongoing expenses.

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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.


Learn More About Life Insurance

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


Create a Reliable Income Stream

Dependable coverage that offers an optional monthly income stream. Consider Income Choice Term.


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1 Increases in coverage are subject to new underwriting.

2 The ADBR rider is generally automatically included on a life insurance policy at no additional premium subject to underwriting and state availability. The cost of the rider is built into the life insurance premium, though if exercised, the lien created incurs interest unless repaid. The rider allows an advance to be paid against a portion of the death benefit in the form of a lien or loan against the policy provided the insured is diagnosed with a qualifying chronic or terminal illness. Rider terms vary by type of life insurance and state. The type of illness determines the maximum advance amount available. There are no restrictions on how the money from the ADBR can be used after payment. The ADBR is added at no additional premium (although a fee of up to $250 may be charged for an advance payment).  If not repaid, will reduce the Death Benefit and affect other policy values.   Receipt of accelerated benefit payments may adversely affect the recipient's eligibility for Medicaid or other government benefits or entitlements. They may also be considered taxable by the Internal Revenue Service. You should contact your personal tax advisor for assistance.

Individual Term Life Policy Series ICC18 1801-307 WSA issued by Western-Southern Life Assurance Company, Accelerated Death Benefit Rider Series 1308-301 WSA, 1308-331 WSA, Accidental Death Benefit Rider Series 9401-3540 WSA, Waiver of Premium Series ICC18 1801-302 WSA, Children Term Life Insurance Rider Series ICC10 1103-2675 WSA, Other Insured Term Rider ICC18 1801-2610 WSA issued by Western-Southern Life Assurance Company, Cincinnati, Ohio, which operates in DC and all states except NY.

The Income Choice Term product ICC20 2008-2627 is available as an option under the Simple Choice Term product ICC18 1801-307 by selecting one of the period certain guaranteed payment options. Should an alternate payment option be selected, the client will receive the Simple Choice Term product. Product features, rider availability and benefit provisions vary by state. Availability is also subject to underwriting. The policies and riders offered contain exclusions, limitations, reductions of benefits, and specific requirements for keeping them in force. Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, Western-Southern Life Assurance Company, Cincinnati, Ohio, which operates in DC and all states except NY. Guarantees are based on the claims-paying ability of the issuing company. Western & Southern Life is the marketing name for Western-Southern Life Assurance Company. Individual Term Life Policy Series ICC18 1801-307 WSA. Endorsement series ICC20 2008-2627 WSA END.

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

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.