308 East Bay Street, P. O. Box N-4728, Nassau Bahamas
Mon - Fri : 9:00 - 5:00
1 (242) 396-2100
Temporary, affordable life insurance

Term Life

Term Life Insurance provides coverage for a specified amount of time after which, coverage expires. This type of policy is perfect for covering exposure for a mortgage or as an affordable way of protecting your income during your working years.

EssentialLife to 80

EssentialLife to 80 is the perfect option for those who need life insurance for a long period and desire a more affordable alternative to a whole life policy. Our EssentialLife to 80 plan provides you with a bright and secure future letting you live your life to fullest.

EssentialLife to 80 Plus

EssentialLife to 80 Plus is a unique term insurance plan offering all of the features of EssentialLife to 80 plus a maturity benefit that pays 20% of the coverage amount on the policy anniversary after the insured reaches age 80.

EssentialLife to 65

EssentialLifeto65 is an affordable way to guarantee that your family’s way of life is protected throughout your working years, right up until age 65. It can be converted to a whole life policy by your 60th birthday.

EssentialLife to 25

Providing life insurance coverage for the term of a mortgage is just one of the many uses of this policy. Lenders usually require life insurance as part of the loan approval process.

EssentialLife Enhanced

Your need for insurance protection may change over time and an EssentialLife Enhanced plan is designed to change with you. These plans offer low cost protection for a temporary need and can be renewed at every 5th, 10th or 20th anniversary, or converted to a whole life policy up to age 65 regardless of your health.

Renewal options:
EssentialLife Enhanced 20 – (renewable at every 20th anniversary without underwriting)
EssentialLife Enhanced 10 – (renewable at every 10th anniversary without underwriting)
EssentialLife Enhanced 5 – (renewable at every 5th anniversary without underwriting)

EssentialLife Enhanced 20
up to 75 years

starting at

$50,000
coverage period to age 75
convertible to age 65
renewable on every 20th policy anniversary
no cash value, dividend options, or policy loans
issue age range 18 years to 55 years
EssentialLife Enhanced 10
up to 75 years

starting at

$50,000
coverage period to age 75
convertible to age 65
renewable on every 10th policy anniversary
no cash value, dividend options, or policy loans
issue age range 18 years to 65 years
EssentialLife Enhanced 5
up to 75 years

starting at

$50,000
coverage period to age 75
convertible to age 65
renewable on every 5th policy anniversary
no cash value, dividend options, or policy loans
issue age range 18 years to 65 years
EssentialLife 80 Plus
up to 80 years

starting at

$25,000
coverage period to age 80
convertible to age 65
no cash value, dividend options, or policy loans
issue age range 14 days to 70 years
receive 20% of the coverage value at age 80*
EssentialLife 80
up to 80 years

starting at

$25,000
coverage period to age 80
convertible to age 65
no cash value, dividend options, or policy loans
issue age range 14 days to 70 years

EssentialLife 65
up to 65 years

starting at

$25,000
coverage period to age 65
convertible to age 60
no cash value, dividend options, or policy loans
issue age range 18 years to 55 years

EssentialLife 25
up to 25 years

starting at

$25,000
coverage period for 25 years
convertible earlier of 25years and age 65
no cash value, dividend options, or policy loans
issue age range 18 years to 50 years

*payable on the policy anniversary after the insured’s 80th birthday

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