Renewable Term Life Insurance

What is Renewable Term Life Insurance?

Renewable term life insurance is life insurance that is renewable at the option of the insured, who is not required to take a medical examination. Regardless of physical condition, the insured must be allowed to renew the policy and the premium cannot be increased to reflect any adverse physical condition. However, the premium of each renewal increases to reflect the age of the individual at renewal.

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Renewable Life Insurance comes in two basic forms – Annual Renewable and Convertible Term.

Annual Renewable Life Insurance automatically renews your life insurance policy at the end of each one-year term period. Usually your life insurance premiums will increase each year.

Convertible Term Insurance allows you to convert your term life insurance policy to a whole life insurance policy. There is usually no additional underwriting required, so you shouldn’t have to take a medical exam in order to qualify for coverage.


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