Life Insurance by Ten Pac

Straightforward & low cost term life insurance, where a specific term is selected from the onset. The benefit is payable if death occurs during the term selected.  This covers death from all causes; Accidents, Illness & Disease.  

Terms are usually in 5-year increments between 5-35 years. Payments can be annually, quarterly or monthly.  If you stop paying the premiums, the policy will void with no refund.  Premiums are fixed for the duration of the term, based on your age at entry. Rates will not increase with age of inflation.  

There are also add-ons for: Critical Illness, Disability & Double Accident Benefit (benefit doubles if death is from accident)

Rather than selecting a specific term, with whole life insurance the policyholder is covered for their..... whole life.  This will guarantee to pay the benefit out so long as premiums are paid & the claim is valid. Payments are still made every year, or can be condensed into a 10-year period. There is no cash back/refund element.  Premiums are fixed for the duration of the term, based on your age at entry.