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Flex 20 provides low-cost life insurance coverage that meets short term security needs while accumulating tax-deferred savings.
Flex 20 is well-suited for a specific coverage or as a complement to existing coverage during a period when financial obligations may be numerous.
Issue Ages - (Age nearest)
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Sum Insured
- Min: $50,000 (0 - 17: $25,000)
- Max: $10,000,000
Preferred rates starting at $250,000
Underwriting Risk Classes
Rate Bands
- $50,000 (0 - 17: $25,000)
- $100,000
- $250,000
- $500,000
- $1,000,000
- $5,000,000
(Eligible for Multi-Coverage Discount)
Insurance Cost
The coverage is renewable every 20 years. The insurance cost is guaranteed and increases at each renewal based on the attained age of the insured. At age 80, the insurance cost becomes fixed and is payable to age 100.
Preferred categories, including 3 privileged-rate classes and 2 regular-rate classes, are offered.
Surrender Fees
Savings Maximizer
Accelerated Health Care
Insured Life Options
- Individual
- Joint first-to-die (5 lives) (without rated premium)
Conversion Privilege
- Individual: up to age 65
- Joint first-to-die: up to age 65 of each insured for an insurance amount divided by the number of insured's.
Products available: Flex 1, Flex 1 at 85/20 years, Precision, Precision 10, Precision 20, Guaranteed Whole Life, Life 10 and Life 20
Eligibility of Conversions
Assistance service
Legal Assistance
A direct phone service provided by a lawyer who helps you find answers to the legal concerns you may have.
Optional Benefits Available
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