Term Life Insurance in Connecticut: 2026 Buyer

Term life insurance is the simplest, most affordable form of life insurance you can buy. It pays a tax-free death benefit to your beneficiaries if you die during the policy term — no investment component, no cash value, no complexity. For Connecticut families navigating high housing costs, college expenses, and income dependence, term life is usually the single best financial tool to close the gap between what a surviving spouse would need and what they would actually have. This guide walks you through every major decision you will face when buying term life in Connecticut in 2026.

What Is Term Life Insurance and How Does It Work in Connecticut?

Term life insurance provides a death benefit — a lump-sum, income-tax-free payment — to your named beneficiaries if you die while the policy is in force. The policy lasts for a defined period, called the term: typically 10, 15, 20, 25, or 30 years. If you outlive the term, the coverage simply expires. There is no refund of premiums (unless you purchased return-of-premium term), no surrender value, and no investment account. That stripped-down structure is exactly why term life is so affordable compared to whole life or universal life.

Sources: III: How Much Life Insurance Do I Need, ACLI: Life Insurance Explained

Under Section 101(a) of the Internal Revenue Code, life insurance death benefits paid to individual beneficiaries are generally excluded from gross income. This tax-free treatment is one of the most powerful features of any life insurance policy. When a Connecticut breadwinner earning $95,000 per year dies and leaves a $1 million death benefit, that million dollars is not reduced by federal or Connecticut state income tax — the surviving spouse receives the full amount.

Sources: IRS Topic 307: Life Insurance Proceeds

The fundamental value of term life comes from the leveraged math. A healthy 32-year-old woman in Connecticut can buy $750,000 of 20-year term coverage for roughly $28 per month. Over 20 years, her total premium outlay is $6,720. If she dies in year seven, her family receives $750,000 — more than 111 times the premiums paid to that point. That leverage is unavailable in virtually any other financial product, which is why independent financial planners consistently recommend term life as the foundation of family financial protection.

How Does Term Life Insurance Work Step by Step?

The process begins when you apply for a policy. You select a coverage amount (the death benefit) and a term length, then complete a detailed application disclosing your health history, lifestyle, occupation, and finances. The insurer evaluates your application through a process called underwriting — assessing the risk that you will die during the term. Based on that assessment, the carrier assigns you a health classification, which determines your premium. Most healthy applicants receive their policy within two to four weeks.

The Six Stages of Buying Term Life in Connecticut

• Needs analysis: Calculate how much coverage your family would need to replace your income, pay debts, and fund future goals.
• Quote comparison: Get quotes from multiple carriers — rates vary by 30 to 50 percent for the same profile across different companies.
• Application: Submit your application including health disclosures, beneficiary designations, and payment authorization.
• Underwriting: The carrier reviews your application, may order a paramedical exam, checks prescription databases (MIB, Rx records), and may request medical records.
• Policy issuance and free-look: You receive your policy and have a Connecticut-required 10-day free-look period to review it and cancel for a full refund.
• Coverage in force: Once the free-look period passes and premiums are paid, coverage is active. If you die during the term, your beneficiaries file a claim and typically receive the death benefit within 30 to 60 days.

Premium payments are typically level — the same dollar amount every month for the entire term. If you purchase a $500,000 20-year term policy at age 38 for $38 per month, that $38 premium never increases, even if your health changes dramatically during the term. This guaranteed-level-premium feature is one of the most consumer-friendly aspects of term insurance, and it is the reason financial advisors recommend locking in coverage early, before health events raise your insurability risk.

Which Term Length Should You Choose in Connecticut?

The right term length covers the period during which your death would cause serious financial hardship to the people who depend on you. In practice, that means covering the years until your mortgage is paid, your children are financially independent, and your retirement savings are sufficient for your spouse to live on. For most Connecticut families in their 30s and early 40s, a 20-year or 30-year term accomplishes all three goals simultaneously.

Connecticut’s median home price crossed $400,000 in many suburbs — Glastonbury, Farmington, Avon, Simsbury, Westport, Greenwich, and Ridgefield all average well above that threshold. A 30-year mortgage on a $450,000 home purchased at age 34 means the borrower carries mortgage debt until age 64. A 30-year term policy that expires at age 64 is precisely calibrated to eliminate mortgage risk for that homeowner. Matching the term to the mortgage payoff date is a reliable rule of thumb for CT homeowners.

Ten-year terms make sense in specific circumstances: covering a business loan, bridging to a retirement date, or supplementing existing coverage during a high-need decade. A 52-year-old whose youngest child is 8 might buy $500,000 of 10-year term to protect the family through college graduation — after which dependent coverage becomes less critical. Ten-year term costs roughly half of 20-year term for the same coverage amount, making the math attractive when the shorter period is genuinely sufficient.

Level vs. Decreasing vs. Return-of-Premium Term: Which Type Is Right?

Level term is by far the most common type sold in Connecticut, and for good reason. The premium stays flat and the death benefit stays flat for the entire term. Your family knows exactly what they would receive regardless of whether you die in year one or year nineteen. The simplicity and predictability of level term make it the default recommendation from virtually every independent financial planner.

Decreasing term policies feature a death benefit that declines over time — often in step with an amortizing debt like a mortgage. These products were popular in the 1980s and 1990s as mortgage protection insurance. They are less common today because level term often costs the same or only marginally more, yet the death benefit doesn’t shrink. If you are comparing a decreasing term mortgage protection policy from your lender against a standalone level term policy, the level term almost always wins on value.

Return-of-premium (ROP) term is a hybrid product that refunds all premiums paid if you survive the policy term. The appeal is obvious — you get your money back if nothing bad happens. The problem is cost: ROP premiums run two to three times the cost of equivalent level term. A 35-year-old woman might pay $28 per month for a $500,000 level 20-year term versus $85 per month for the same death benefit with ROP. The $57 monthly difference, invested in a low-cost index fund at 7 percent average annual return, would grow to approximately $28,000 over 20 years — often exceeding the ROP refund and leaving more wealth in your hands. ROP makes sense only for individuals who would otherwise not save the premium difference or who place extreme psychological value on premium recovery.

How Much Term Life Coverage Do You Need?

Determining the right coverage amount is the most consequential decision you will make. Most families are best served by one of three approaches: the income multiple method, the DIME method, or the mortgage-payoff method. Each produces a different number and reflects different priorities. Using two or three approaches in combination and taking the highest result is a conservative and financially sound strategy.

Sources: NAIC Life Insurance Consumer Guide

Three Coverage Calculation Methods

• Income multiple method: Multiply your annual gross income by 10 to 12. A Connecticut teacher earning $72,000 annually would target $720,000 to $864,000 in coverage. The multiplier accounts for income replacement, inflation, and investment returns on the death benefit.
• DIME method: Add Debt (all non-mortgage debts), Income (10 years of gross salary), Mortgage (remaining balance), and Education (future college costs for all children). DIME typically produces higher numbers than the income multiple and is appropriate for families with significant non-mortgage debt or multiple children.
• Mortgage-payoff method: At minimum, cover your outstanding mortgage balance so a surviving spouse is not forced to sell the family home. Add 5 to 7 years of living expenses on top for household stability.

Connecticut’s high cost of living accelerates every calculation. The state’s median household income was approximately $86,000 in 2025, with significant variation by county — Fairfield County households averaged $125,000+ while Hartford and New Haven counties averaged closer to $70,000 to $85,000. Applying the 10x multiple to Fairfield County income means families there routinely need $1.2 million to $1.5 million in coverage. Many agents in New York metro markets recommend the 12x multiple for CT families precisely because costs are so high.

Social Security survivor benefits partially offset life insurance needs. The SSA pays monthly survivor benefits to eligible spouses and dependent children of deceased workers, but the amount is often modest — typically 30 to 40 percent of the deceased’s earnings record, subject to income limits and age requirements. Do not rely on survivor benefits to replace the majority of your income. They are a supplement, not a substitute, for private life insurance coverage.

Sources: SSA Survivors Benefits

2026 Connecticut Term Life Sample Rate Table

The following sample rates represent approximate monthly premiums for healthy Connecticut residents in 2026, assuming Preferred or Preferred Plus health classification, non-tobacco use, and standard occupational risk. Actual rates vary by carrier, specific health history, and underwriting result. These figures are representative of rates available from major carriers including Banner Life, Protective Life, Pacific Life, and Lincoln National.

These rates illustrate two important patterns. First, women consistently pay less than men at every age because women have statistically longer life expectancies — a gap of 15 to 25 percent is typical at younger ages. Second, rates accelerate sharply after age 45. A 45-year-old man pays roughly 2.6 times as much as a 35-year-old for 20-year term coverage. The financial penalty for delay is real and compounding — every year you wait costs more per month and may also increase the risk that a health event disqualifies you from preferred rates.

Top Connecticut Carriers for Term Life Insurance in 2026

Connecticut residents have access to a broad range of highly rated term life carriers. State Farm, Northwestern Mutual, Prudential, AIG (American General), Lincoln National, and Protective Life all actively write term business in Connecticut with strong AM Best financial strength ratings. Understanding the differences between carriers helps you match the right company to your specific profile.

Carrier selection matters beyond price. Financial strength ratings from AM Best indicate the insurer’s ability to pay claims decades in the future — critical for 30-year term policies. A company rated A++ (Superior) is the gold standard. Complaint ratios from the NAIC’s complaint database indicate customer service quality. Underwriting appetite matters too — some carriers are more favorable toward specific health conditions like well-controlled hypertension or type 2 diabetes, which can mean a Preferred rate at one carrier versus Standard at another.

Captive agents (State Farm, Northwestern Mutual, New York Life) represent only their own company. Independent brokers and agents can compare rates across 20 to 30 carriers simultaneously. For most Connecticut buyers, working with an independent broker delivers better pricing and more options, particularly if you have any health impairments. The commission structure is the same whether you buy from a captive or independent agent — the insurer pays the agent, not the buyer — so there is no cost advantage to going direct.

What Happens During the Term Life Underwriting Process?

Underwriting is the process by which the insurance company evaluates the risk you represent and assigns a health classification that determines your premium. The depth of underwriting depends on your age and the coverage amount you are requesting. Younger buyers seeking smaller policies may qualify for accelerated underwriting — a process using data algorithms, prescription databases, and medical information bureau (MIB) records to issue policies without a physical exam. Older buyers or those seeking large face amounts typically go through full underwriting including a paramedical exam.

What Underwriters Review

• Application answers: Disclosures about health history, medications, diagnoses, surgeries, hospitalizations, and lifestyle factors.
• MIB report: The Medical Information Bureau aggregates information from prior insurance applications, flagging inconsistencies or undisclosed conditions.
• Prescription database check: Insurers verify prescription drug history, which reveals diagnoses the applicant may have omitted from the application.
• Motor vehicle records: Driving history including DUIs, reckless driving, and at-fault accidents affects underwriting for many carriers.
• Paramedical exam: A traveling nurse or technician collects height, weight, blood pressure, pulse, blood sample (CBC, chemistry panel, lipid panel), and urine sample at your home or office.
• Attending physician statement (APS): For complex health histories, the insurer may request detailed medical records from your treating physicians.
• Financial underwriting: For coverage amounts exceeding $2 to $3 million, insurers verify that the requested coverage amount is proportional to your income and net worth.

Accelerated underwriting (AU) has become increasingly common since 2020, with major carriers using predictive analytics to approve policies for amounts up to $1 million to $3 million without a physical exam for qualified applicants. Lincoln National’s Lincoln TermAccel, Pacific Life’s PL Promise Term, and Protective Life’s Classic Choice Term all offer accelerated underwriting pathways. AU typically requires applicants to be under age 50 to 60 (depending on the carrier), apply for amounts within the AU limit, and have no significant health flags in their electronic records. Approval decisions often come within 24 to 72 hours rather than the typical two to four weeks for fully underwritten policies.

Health Classifications: What Do Preferred Plus, Preferred, and Standard Mean?

Insurance carriers assign health classifications — also called rate classes or underwriting classes — to every approved applicant. The classification reflects the insurer’s assessment of your mortality risk relative to the general population. Better classifications produce lower premiums. Most carriers offer four to six standard classes for non-tobacco applicants. Understanding these classes helps you set realistic expectations before you apply.

Preferred Plus is the dream outcome — it requires near-perfect labs, ideal BMI, no family history of early cardiovascular disease or cancer, no tobacco in the past five years, no significant medications, and no driving violations. Fewer than 10 percent of applicants qualify at Preferred Plus from a given carrier. Preferred is attainable for most healthy adults — it allows minor impairments, slightly elevated cholesterol manageable without medication, and BMI up to about 28 to 30 depending on the carrier.

Table rating (substandard classification) applies when the applicant’s mortality risk significantly exceeds standard. Each table step typically adds 25 percent to the standard premium. Table B means standard plus 50 percent; Table D means standard plus 100 percent; Table P means standard plus 400 percent. Carriers differ significantly in how they table rate specific conditions — some carriers are much more lenient with well-controlled type 2 diabetes, for example. An independent broker who specializes in impaired-risk underwriting can identify which carrier will offer the best classification for your specific health profile.

How Do Health Conditions Affect Term Life Rates in Connecticut?

Health conditions are the most variable factor in term life underwriting. The same diagnosis can result in a Preferred rate at one carrier and a Table D rate at another, depending on how each insurer weights that condition, the severity and treatment status, and your overall health profile. Understanding how common conditions are treated helps you shop strategically.

How Common Conditions Affect CT Term Life Rates

• BMI: Most carriers accept BMI up to 30-35 at Preferred rates; BMI 36-40 typically results in Standard or Table B; BMI above 40 may result in Table D or higher, or decline depending on other factors.
• Hypertension (high blood pressure): Well-controlled hypertension (BP under 140/90 on one or two medications) is often ratable at Standard or Standard Plus. Poorly controlled or unmedicated hypertension can drop you to table-rated classes.
• Type 2 diabetes: A well-controlled A1c (under 7.0-7.5) with no complications can qualify for Standard Plus at some carriers, particularly for diagnosis after age 40. Uncontrolled diabetes or early-onset diabetes with complications may result in table ratings.
• Cholesterol: Elevated total cholesterol above 240-250 treated with statins is often accepted at Standard. Untreated high cholesterol may trigger a worse classification.
• Family history: Early cardiovascular disease (parent or sibling before age 60) or multiple first-degree relatives with certain cancers can prevent Preferred Plus qualification even if your own health is perfect.
• Mental health: Anxiety and depression treated with one medication and stable for 12+ months are generally acceptable at Standard. Bipolar disorder, schizophrenia, and prior hospitalizations for mental health are viewed more critically.

If you have any health impairments, informal pre-underwriting through an independent broker is enormously valuable. An experienced broker can submit your health profile to multiple carriers without a formal application — getting a preliminary rate indication before you commit. This shop-before-you-apply approach prevents declined applications, which themselves appear in the MIB database and can complicate future applications.

Term Life Insurance Riders: Which Add Real Value?

Riders are optional add-ons that modify or expand your term life policy’s coverage and benefits. Some riders provide genuine value and are worth paying for; others are overpriced or redundant with other coverage you already own. Here is an honest assessment of the most common riders available on term policies in Connecticut.

Common Term Life Riders

• Waiver of premium rider: If you become totally disabled and cannot work, the insurer waives your premiums while keeping the policy in force. Typically costs $5-$15/month. Worth it if you lack robust disability insurance — the alternative is letting a policy lapse during the exact period you most need it.
• Accelerated death benefit (ADB) rider: Allows you to receive a portion (usually 50-100%) of the death benefit early if you are diagnosed with a terminal illness with a life expectancy under 12-24 months. Most carriers now include this rider at no extra charge — verify your policy includes it.
• Children
• Accidental death benefit (ADB) rider: Pays an additional death benefit if death results specifically from an accident. Often called
• Critics argue most premature deaths in working-age adults result from illness, not accidents, making this rider of limited value. Cost: $5-$15/month.
• Disability income rider: Provides monthly income if you become disabled. This rider is typically expensive on life insurance policies relative to standalone disability income insurance. If you need disability income protection, a separate disability policy usually offers better coverage terms at comparable cost.

The accelerated death benefit rider deserves special emphasis for Connecticut buyers because it provides a living benefit alongside the traditional death benefit. If you are diagnosed with a terminal illness, being able to access $500,000 early rather than waiting for death allows you to pay medical bills, take a family trip, handle end-of-life planning, and reduce the financial stress on your family. Always confirm this rider is included in any policy you are considering — most carriers now include it at no charge, but it should be verified in writing in the policy contract.

Converting Term Life to Permanent Coverage: Why This Matters in CT

Most quality term life policies sold in Connecticut include a conversion privilege — the contractual right to exchange your term policy for a permanent life insurance policy (whole life or universal life) without any new medical underwriting. This means you can convert even if your health has deteriorated significantly during the term. The conversion is based on your original health classification at the time you bought the term policy, not your current health status.

The conversion privilege has concrete value for Connecticut buyers because life is unpredictable. A 38-year-old who buys a 20-year term policy in perfect health may develop a serious medical condition at 48 that would make him uninsurable at standard rates in the open market. Without conversion rights, he faces two terrible choices at age 58 when the term expires: let coverage lapse (leaving his family unprotected if he is still alive with dependents), or apply for new coverage and be rated up significantly or declined. The conversion privilege eliminates this dilemma — he can convert at any time during the conversion period, paying permanent insurance premiums based on his age at conversion but not paying a health surcharge.

Even if you never intend to own permanent life insurance, the conversion privilege is valuable as an option — like an insurance policy on your insurability. If circumstances change and permanent insurance becomes valuable (estate planning needs, business buy-sell needs, or as a last-resort long-term care strategy), having the option to convert without re-underwriting can be worth thousands of dollars compared to buying a new policy.

Connecticut Regulatory Protections for Term Life Policyholders

Connecticut’s insurance regulatory framework provides meaningful consumer protections for term life policyholders. The Connecticut Insurance Department (CID), operating under the Connecticut General Statutes Title 38a, has authority over all insurance products sold in the state. Understanding these protections helps you know your rights as a policyholder.

Sources: Connecticut Insurance Department

Key Connecticut Term Life Policyholder Protections

• Free-look period: Connecticut requires a minimum 10-day free-look period for all individual life insurance policies. During this window, you can return the policy for any reason and receive a full refund of premiums paid.
• Guaranteed renewability: Connecticut law requires term life policies to be renewable at the end of the term, though at higher premiums based on your attained age. This prevents the insurer from refusing to renew coverage even if your health has worsened.
• CT Life and Health Insurance Guaranty Association: If your insurer becomes insolvent, the Guaranty Association covers up to $500,000 in death benefits and up to $300,000 in cash values. This coverage is a safety net — check your carrier
• Grace period: Connecticut law mandates a 31-day grace period for late premium payments on individual life insurance policies. Coverage remains in force during this period even if a payment is missed.
• Incontestability clause: After a policy has been in force for two years, the insurer cannot contest claims based on material misrepresentations in the application (except for fraud). This two-year period is standard across all states.
• CID consumer complaint line: Connecticut residents can file complaints against insurers through the CID website or by phone. The department has authority to investigate and mediate disputes between policyholders and insurers.

The Connecticut Insurance Department annually reviews and approves rate filings from life insurers operating in the state. Unlike health insurance (where the CID actively negotiates ACA rate increases), life insurance rates are not subject to prior approval in Connecticut — but carriers must file rates and comply with anti-discrimination regulations. The department also licenses all insurance agents and brokers operating in Connecticut, providing consumers with a verification resource. Before working with any agent, verify their Connecticut license through the CID online lookup tool.

Group Term Life Insurance Through Your Employer: Limits and Pitfalls

Most Connecticut employers with 50 or more employees offer group term life insurance as a standard employee benefit, typically at one to two times your annual salary at no cost to you. Some employers allow employees to purchase additional voluntary group coverage at group rates. Group term life insurance is valuable when it is free, but it has significant structural limitations that most employees do not fully appreciate until it is too late.

Limitations of Group Term Life Insurance

• Coverage amount is almost always insufficient: One to two times annual salary leaves a massive gap for a family with a mortgage, children, and ongoing living expenses. A $90,000-per-year Connecticut employee with $90,000 in group coverage has perhaps 10 months of income replacement — far below the 10-12 years typically recommended.
• Portability problems: Most group term policies are not portable — when you leave your employer, coverage ends. You can convert to an individual policy under COBRA-like rights, but converted group coverage is almost always significantly more expensive than buying standalone term in the open market.
• No guaranteed insurability: Supplemental group coverage above one or two times salary often requires evidence of insurability (medical underwriting). If you apply for additional voluntary coverage during a special enrollment period, you may be approved without exams. But outside those windows, health issues can prevent you from increasing coverage.
• Ownership and control: The employer owns the group policy, not you. The employer can change carriers, reduce benefits, or eliminate the benefit entirely with minimal notice.
• Tax implications: The IRS imputes taxable income for employer-provided group term life coverage above $50,000 under IRC Section 79. If your employer provides $200,000 in group term life, you owe income tax on the value of coverage above $50,000 each year.

The standard recommendation for Connecticut workers is to accept all free employer-provided coverage as a baseline benefit, then supplement with an individually owned term policy sufficient to fill the coverage gap. An independently owned term policy travels with you regardless of employment changes, gives you full control over coverage amounts and beneficiary designations, and typically offers better long-term value than voluntary group supplements once you account for portability costs.

How to Shop and Compare Term Life Quotes in Connecticut

Shopping for term life insurance in Connecticut has become faster and more transparent over the past decade. Online comparison platforms allow you to see ballpark quotes from multiple carriers in minutes. However, initial online quotes are estimates based on your self-reported health information — the final rate is determined after underwriting. Understanding how to shop effectively helps you get accurate quotes and find the best carrier for your specific profile.

Step-by-Step Shopping Guide for CT Buyers

• Get quotes before disclosing health details: Online tools can show you rate ranges without a formal application. Use these to understand the market and set budget expectations.
• Be honest about health history from the start: Misrepresenting your health on a life insurance application is material misrepresentation, which can result in policy rescission and denial of claims even after premiums have been paid for years.
• Compare at least four to six carriers: Rates can vary 30 to 50 percent across carriers for the same profile. A price difference of $20 per month over 20 years is $4,800 — real money that stays in your pocket.
• Understand the quote vs. issued rate distinction: Online quotes are not guaranteed rates. The actual rate is determined after underwriting. If your health is more complex than the
• assumption in online quotes, budget for the possibility of a higher final rate.
• Ask about accelerated underwriting eligibility: If you are under age 50 and healthy, ask whether you qualify for AU to skip the physical exam. Many buyers can be approved in days without a blood draw.
• Check financial strength ratings: Verify that any carrier you are considering holds at least an A rating from AM Best. Life insurance is a contract that may need to pay claims 30 years in the future — carrier financial strength matters.
• Independent broker vs. captive agent: An independent broker can compare quotes from 20 to 30 carriers simultaneously. A captive agent represents one company. For most buyers, an independent broker delivers better pricing and more options.

Connecticut residents should also consider whether their preferred carrier uses electronic or traditional applications. Electronic applications allow for real-time completion, immediate prescription database checks, and faster underwriting decisions. Some carriers have reduced their time-to-issue from four weeks to as little as two to five business days for electronically submitted applications with favorable underwriting results.

When to Review and Update Your Term Life Coverage

Term life insurance is not a set-it-and-forget-it purchase. Life changes create new coverage needs, and failing to update your policy can leave your family underprotected at critical moments. As a general rule, review your term life coverage whenever a significant life event occurs — and on a scheduled basis at least every three to five years even if no events have occurred.

Life Events That Should Trigger a Coverage Review

• Marriage or domestic partnership: Add your spouse as a beneficiary and evaluate whether your combined coverage is sufficient.
• Birth or adoption of a child: Children increase coverage needs dramatically. Recalculate using the DIME method with updated income, mortgage, and education projections.
• Home purchase or mortgage refinance: A new larger mortgage means a larger coverage gap. The term length should roughly align with the mortgage payoff date.
• Significant income increase: Promotions, new jobs, or business success mean your income replacement need has grown. Review coverage amounts to ensure they reflect current income.
• Divorce: Update beneficiary designations immediately. A divorced spouse remaining as beneficiary on a life insurance policy can legally collect the death benefit in most states — including Connecticut — unless the designation is changed.
• Employer benefit changes: If your employer reduces or eliminates group term life coverage, your privately owned term coverage becomes even more critical.
• Term policy approaching expiration: Begin reviewing options 2 to 3 years before your term expires. If you still have dependents, a mortgage, or other coverage needs, apply for a new policy while you are still in the best possible health.

One strategic consideration unique to term life insurance is the concept of laddering — owning multiple policies with different term lengths. A 34-year-old might purchase a $750,000 30-year term to cover the full mortgage and a $500,000 20-year term to cover the higher-need years when children are young. When the 20-year policy expires, the children are in their mid-20s, college is funded, and the $500,000 drops out of the picture. The 30-year policy continues to protect against the remaining mortgage. Laddering can provide more total coverage during peak need years while reducing total premium as coverage needs naturally decline with age.

Frequently Asked Questions