Term Life Insurance

A death can give rise to a long list of expenses:

• funeral costs
• taxes on assets
• probate fees
• the cost of legal and accounting services needed to settle an estate

With TD Term Insurance you are covered for final expenses such as these. Depending on the amount of term insurance you choose, this can help your family to cope with the costs while continuing to handle day-to-day living expenses.

What are your needs?

Your choice of life insurance will depend on your family's needs.

• Even if you don't have a heavy debt, your family will still have to cover funeral costs, outstanding debts and daily expenses. Will they be able to?
• Consider the size and age of your family, your spouse's earning power and the lifestyle you would like your loved ones to continue to enjoy.

TD Insurance offers three options:

• TD Term 10 insurance is simple and affordable, provides protection for the next 10 years and is automatically renewed until the age of 80.
• TD Term 20 will provide protection for the next 20 years and is automatically renewed until the age of 80.
• TD Term to 100, also known as permanent insurance, provides protection for your lifetime.

When considering your choice, keep in mind that you can purchase a combination of the above. For example you might want to combine Term to 100 with Term 10 insurance to provide extra protection for the next 10 years, in particular if you have a debt to be paid off during that 10-year period.

Our term products (10, 20 and to 100) premiums are guaranteed at the time the coverage is issued. You can convert Term 10 and 20 to Term to 100 until the age of 69.