*Premium amount depends on client's age, coverage, and medical rating. Minimum coverage period applies.
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There are two types of life insurance policies: term life and whole life.
'Term life' means we cover you for a defined period of time (for example, 25 years) whereas 'whole life' means we cover you for your entire life.
As the name suggests, YRT or Yearly Renewable Term covers you for only one year. React5, on the other hand, gives you protection coverage for five years.
If you have YRT, you can renew your life insurance coverage every year until age 69 or for 10 years, whichever is longer. For React5, you can renew your coverage every five years until age 80. Note that premium rates will increase as this is based on your age upon renewal.