Prepare For Life’s Most Unexpected Turns

Life holds unforeseeable twists and turns. No one can predict what awaits around the corner. Make sure your family can pay for everything from household bills, the mortgage, education, and other major expenses. Affordable and simple, Term Life insurance offers a variety of term durations at level premiums that will not go up during the term you choose. At the same time, you can give back to your community, because 1891 Financial Life devotes a portion of your purchase to fund vital social, educational, and volunteer programs right in your own back yard.

Product Specs

Check out a brief overview of our Low-cost Term Life1 products.
  • Three inexpensive policy terms available:
    • 10-Year
    • 20-Year
    • 30-Year
  • Available for ages from:
    • 18 – 70 (10-Year)
    • 18 – 60 (20-Year)
    • 18 – 50 (30-Year)
  • Policy amounts available from $50,000 to $4 million 
  • Premiums are level, remaining unchanged for the policy term
  • Renewable in one-year increments up to age 952 at the end of the level premium period
  • Guaranteed death benefit is payable to beneficiaries tax-free3 without going through probate
  • Within the first 10 years the policy is in effect, you can elect to convert to a Permanent Cash Value Life policy without having to provide evidence of insurability
  • Optional policy riders4 are available, including:
    • Living Benefits Rider: allows you to access a portion of your death benefit if you are diagnosed with a qualifying serious illness. Available with no additional premium. CLICK HERE for details.
    • Waiver of Premium pays your premiums for you should you become disabled as defined in the rider’s contractual terms
    • Accidental Death Benefit pays your beneficiary twice the original death benefit amount defined in the policy up to $250,000, should your death be due to accidental bodily injury
  • As an 1891 Life policyholder, receive member access to a host of soul-inspiring community events, programs, volunteer efforts, and service projects, plus benefits including grants, scholarships, money-saving prescription benefits, subscriptions, and much more


What is Term Life insurance?

Term Life insurance is typically the least expensive life product you can obtain and a great value, allowing you to stretch your premium dollars to get a substantial death benefit. Coverage is for a fixed period of time—in this case, 10, 20, or 30 years—and pays a death benefit to your beneficiary should you die during the policy period. Term Life is often sought as an inexpensive way to settle major family expenses such as funeral costs, household bills, caring for a surviving spouse, childcare and college expenses, and mortgage debt.

It’s time. How do I make a death benefit claim?

When this happens, please call our Home Office at 1-800-344-6273 and ask for the Claims Department. Or if you prefer, you can complete and mail this form to the address provided.

What is a rider?

A rider is an optional feature that you can purchase separately which “rides along” with your Term Life policy to provide additional benefits.


113TRM Plan Series.
2Premiums for annual renewable coverage increase each year.
3Consult your tax advisor regarding your individual situation.
4Rules and restrictions apply to each rider; availability may vary. Not all riders are available in all states.