Have you ever wished for a custom term plan to better suit your client's needs? Our Term Ladders may just be the solution you’re looking for. Our 10‑, 20- and 30‑Year Term Life Insurance plans can be paired with 10‑, 20- and 30‑Year Term Riders. For example, a base 30‑Year Term Life Insurance Plan could also include 20- and 10‑Year Term Riders.

This laddering strategy allows the term coverage to transition through life with the client. If they need $1 million now but in ten years need less because their kids are out of college - and even less ten years after that because they are nearing retirement and the mortgage is almost paid off - the expiring riders will account for the decrease in their needs. Laddering often allows the client to obtain a larger amount of total coverage at a lower total premium. Conversion options provide additional opportunities to make coverage permanent along the way.

Don’t forget that these plans also include the Living Benefit Rider!