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10 year term

10 year term life insurance is life insurance with premiums that are level for 10 years. At the end of 10 years the insurance typically renews automatically at higher premiums, again level for another 10 years. This process can continue until the expiration date of the policy.

Most 10 year term life insurance policies are also convertible, allowing the policy owner to convert to permanent life insurance, without a medical exam.

10 year term life insurance is commonly used by family members in their 40’s and 50’s looking for protection for about 10 years to cover such things as the last years of a mortgage or until the children are self-sufficient financially.