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Term Life Insurance

Term Life Insurance

Affordable Coverage to Give You a Sense of Security

Term life insurance is generally the most affordable way to protect yourself and your family. Your employer may offer term life insurance as an employee benefit, or you can purchase a policy on your own. Explore the features of term life insurance offered by American United Life Insurance Company, a OneAmerica company or get information from a financial professional.

  • Affordable cost — You don’t have to spend much to get started with term life insurance
  • Defined term — This life insurance protects you for a specific period of time, which is the policy’s “term"
  • Renewable — You have the option to renew your term coverage

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Affordable Coverage That Can Grow & Change with You

When comparing term life insurance to whole or universal life insurance policies, remember these details:

  • Policies are available to people between the ages of 18 and 80, and you have the option to renew your policy up to age 95
  • Cost initially is lower than whole life insurance policies
  • You lock in a premium rate for a certain number of years (up to 30 years) and then the premium  rate increases every year thereafter
  • You can convert your term life insurance to permanent insurance without additional proof of health and receive credit toward the premium of the new policy

Find Coverage That Meets Your Needs

A financial professional can help you see how term life insurance might fit into your overall financial strategy. You might also have access to term life insurance through an employee benefits plan.

Consider making term life insurance part of your financial strategy if you want to:

  • Get affordable protection for your family
  • Protect your business from losing the value you bring
  • Switch to permanent life insurance coverage later without having to provide proof of health
  • Get financial protection for a specific period of time, such as to pay off a mortgage (you have the option to renew the term coverage)
  • Generally prevent your heirs from paying state and federal income taxes on death benefit proceeds

Take Charge of Your Life Insurance Needs

Talk to a financial professional to learn more about term life insurance.

If you already have a policy with the companies of OneAmerica®, you can change your name and address as well as add or change a beneficiary when you .

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Neither AUL nor their representatives provide tax or legal advice. For answers to specific questions and before making any decisions, please consult a qualified attorney or tax advisor.
Life insurance is medically underwritten. All policies and riders may not be available in all states.


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