Annual Renewable Term (ART) Insurance
外汇网2021-06-19 16:02:08
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A form of term life insurance that offers a guarantee of future insurability for a set period of years, although pmiums are paid every year on the basis of a one-year contract. As such, the pmiums will rise over time as the insured person ages. This type of insurance is designed for short-term insurance needs.
|||Annual renewable term insurance is less common than level term insurance, where pmiums stay constant over the life of the contract. The longer an insured person uses annual renewable term insurance, the more costly it becomes. ART insurance typically offers guaranteed re-insurability for a period of 10 to 30 years, depending on the age of the inpidual.
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