This type of policy locks your premium for the selected term.

  • Advantage: You can purchase a term life insurance policy for a 20yr term. Your premium (price) will stay the same for those 20 years.
  • Disadvantage: If you outlive the policy, and have not converted to a whole life. Your premium will increase drastically.


This policy will lock your policy premium (price) for the life of the client.

  • Advantage: Can accumulates money over time, which you can withdraw tax free!
  • Disadvantage: Price can be on the higher side.

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