TERM LIFE INSURANCE

Term life insurance is probably the simplest and most cost-effective type of life insurance you can buy. It provides the highest amount of death benefit at the lowest initial cost for a specified period of time—usually 20 years or less. Ideal candidates for term insurance are generally young, growing families or businesses that have a substantial need for insurance protection, but may lack the resources to pay for it.

Term life Insurance provides:

• Affordable coverage for a specified period of time
• Death benefits are tax-free to beneficiaries
• Affordable way to cover debt obligations such as tuition, mortgages, bills, and more

Benefits of a Term Life Insurance Policy

• Low initial premiums
• Variety of premium lock-in options, including 1, 5, 10, 15, 20, and 25-years
• Ability to convert to permanent coverage regardless of your health

Elements to Consider

• Premiums may increase after the guarantee period expires
• Coverage may terminate at the end of the policy term, regardless of whether the need for coverage still exists
• Does not generate cash or loan values

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All products contained within this Web site may not be offered at a Wachovia branch.



Insurance products are offered through non-bank insurance agency affiliates of Wachovia Corporation and are underwritten by unaffiliated insurance companies. Wachovia Corporation's insurance agency affiliates receive compensation from an insurer or other entity for the sale of products and fees for services performed.