Sign In

Forgot Username / Password
EquiNet Support Form
Register Me Now
New to this website?

Register now to help support your clients, manage your business and learn more about the products, services and support from Equitable Life.
Print this Page

Term Insurance

Term trophy ad


Flexible protection that can last a LIFETIME!

lifetime protection

Make a 10 year term last 25 years
(Exchange option)

  • Delay your renewal period (and higher renewal premiums) by exchanging your 10 year term for a new 20 year term by the 5th anniversary.1
  • No additional underwriting required.


Cover both your temporary and lifetime needs
(Partial conversion program)

  • Convert part of your term policy to a permanent policy and add a term rider for the remaining coverage.
  • Convenience of one policy and one policy fee.2
  • No additional underwriting required, regardless of health.


Get protection for life 
(Full conversion)

  • Convert3 your entire term policy to a participating whole life or universal life policy.
  • Lock in lifetime rates.





Competitor image

How do we stack up? See our Competitive LifeGuide® rankings (français)

balancing image

Balancing need and affordability (français) Find the right combination of term solutions (Term 10, Term 20 and Term 30/65) at the right cost.
See how the Product Comparison Report can help.  (français)

ci apple image

Clients who qualify for preferred rates on term riders or stand-alone plans may automatically qualify for EquiLiving® critical illness insurance.
Find out more about our CI Special Offer (français)

1 It must be done by the 5th anniversary, or before age 65, whichever comes first. The new 20 year plan will be issued at current age and rates.

2 Plan minimums must be met. If 50% or more is converted, the remaining term can be added as a term rider at current age and rates. If less than 50% is converted, a term rider can be added to the permanent plan with a maximum face amount equal to the permanent coverage.

3 Conversion must occur prior to the age specified in the contract. See contract for details.