Equitable Life’s Term 10 and Term 20 Plans


Equitable Life’s Term 10 and Term 20 policies are available with face amounts as low as $50,000. Issue age limits are 18 to 75 years of age on their Term 10 plan, and 18 to 65 years of age on their Term 20 plan.

Equitable Life offers preferred rates for those who qualify, on amounts over $250,000 for both smoker and non-smoker policies. The plans also have the following riders/benefits available as add-ons: accidental death benefit, guaranteed issue rider, waiver of premium rider, and children’s life insurance rider.

In addition to the tax-free death benefit paid out to the policyholder’s heirs, both plans have a built-in bereavement counseling benefit. This benefit automatically reimburses any counseling expenses to the beneficiary of the insured up to $500 per claim. The receipts must be submitted within a 12-month period of incurring the expense.

Another terrific feature in Equitable Life’s Term insurance line-up is its conversion credit. All term policies converted to a permanent (i.e., a level rate plan) qualify for a 25% credit of the last 12 months of premiums.

Below are examples of Equitable Life’s Term 10 rates at $250,000 of coverage:

Client……………Standard Rates:…..Preferred Rates:
35-yr male N/S:…$19.35/month……..$15.08/month
45-yr male N/S:…$33.53/month……..$26.33/month
55-yr male N/S:…$75.38/month……..$57.38/month

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What Clients Say About LSM

life insurance testimonialsWhen our children graduated, we wanted to cut back on and optimize our insurance.1 of 85Mary and PhilRead more


  1. Michael Steh 07/10/2008 at 10:02 am

    I have a group benifits plan with equitable life. I just bought a house and would like to get life insurance for $500 000, on a ten yr term.
    Please help

  2. LSM Insurance 07/10/2008 at 2:21 pm

    Hi Michael,

    Thanks for your inquiry – I’m happy to help out.

    My contact numbers are below:
    Bus (905)248-4849
    Cel (647)388-3617

    Regards … Lorne

  3. Jacintha Nadarajah 01/15/2010 at 2:45 pm

    I am 57+ years old. I would like to have an insurance for a term or life. Please advice me.



  4. LSM Insurance 01/15/2010 at 4:35 pm

    Thanks Jessie. I will send you a separate email shortly. Best Regards … Lorne

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