We offer term riders that can be added to permanent plans and term base plans to create custom coverage.

One option to cover your clients is to combine a 20-pay whole policy with a 20-year term rider to create a transition life solution.

As an example, think of a 45-year-old who has 20 years until retirement. He is concerned with replacing income while he is working, but also covering final expenses and leaving a legacy.

The 20-pay whole life and 20-year term combo is an excellent solution. The larger term rider helps to replace income prior to retirement while the 20-pay whole life will always be there for final expenses and legacy.

And the best part of this creative approach, with the term policy premiums expiring and the whole life policy being paid up in 20 years, all premiums stop at retirement!

Talk to your clients about combining permanent and term plans to find creative solutions to their financial concerns.