Term Basic
- 10-, 15- and 20-year options
- Lowest-cost product
- Fewer riders, limited conversion options
Term Plus
- 10-, 15- and 20-year options
- Can convert to any permanent product available at the time of conversion
Recap Term
- For clients who anticipate higher future income
- Cumulative conversion credits years 2-5
- Annual conversion credits years 6-10
- No credit of substandard premiums
