Do your family or business needs call for a term life insurance plan with a high amount of level protection during the first few policy years? Is there a chance that the level coverage may have to be extended because of future concerns?

Flexible Term Life Insurance plans are unique because they have a combination level, and decreasing term plan, that can meet these particular needs... at an amazingly affordable price.

At some of the lowest rates ever offered. Flexible Term provides initial years of level protection followed by decreasing coverage to match your needs. The "flex" in Flexible Term is found in the Keep-It-Level options which allow you to maintain the level portion of the plan.

• The basic plan is a 20 year plan which remains level for the first three years, then decreases for the remainder of the term (17 years).
• At the end of the third policy year, a Keep-It-Level Option can be exercised to allow level protection for another three years.
• The Options can be exercised up to four times, which can provide 15 years of level coverage.

• Prepayment Savings Feature
• Accidental Death Benefit
• Disability Waiver of Premium
• Family Insurance Rider
• Children's Insurance Rider
• Deposit Fund Rider

The basic Flexible Term plan may work well for you at first, but if your family or financial situation calls for a few more years of sustained level protection, the Keep-It-Level Options are available. These are available without evidence of insurability, by simply paying a transaction fee, and the new attained age premium.

The low cost of Flexible Term can allow payment into a cash reserve side fund such as the Deposit Fund Rider or Flexible Payment Annuity, both paying competitive interest rates.

If you're just starting out with a family or business, Flexible Term provides a unique solution to your needs.

Phone: 877-4-TIA-INFO (877-484-2463)
Fax: 877-FAX-4-TIA (877-329-4842)

email: theodore insurance agency