Term To 100 (T100)

Term To 100 life insurance combines characteristics of term and permanent insurance.

  • like term, there is generally no cash value or policy dividends
    • so if premiums are missed, the policy lapses
  • like permanent, coverage continues for life (even beyond age 100)
  • premiums are generally payable for life
  • at age 100, contract usually
    • pays out the face amount ("endows") (taxable?), or
    • is paidup (no further premiums needed)



  • limited flexibility
  • can lapse if premiums are missed

Client Profile

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