Term To 100

What is Term To 100?

Term To 100 is the cheapest and simplest form of life insurance. It protects your loved ones from financial burdens in the event of your untimely passing, by providing a tax-free lump sum to help pay for mortgages, tuition, funeral bills, or everyday living expenses.

Premiums are payable for life and even at the lowest premium, you are covered for life.

How do I Access Term To 100?

Applying for a policy can be done online in just 5 simple steps and in about 10 minutes or less.

Step 1: Get an estimate of your premium and decide if you’re interested.
Step 2: Complete our health and lifestyle questionnaire.
Step 3: Verify your identity and address.
Step 4: Provide your premium payment information.
Step 5: Have your policy issued in real time.

Features and Benefits:

  • The minimum coverage amount is $150,000
  • The maximum coverage amount is $750,000 for ages 18-45 and $500,000 for ages 46-60
  • Premiums are payable to age 100
Click here to view a sample Term To 100 Policy Contract.

What You’ll Need to set up a Term To 100 Policy:

  • Any smart device
  • One form of National Identification (Driver’s Permit, Identification Card, or a valid Passport)
  • A utility bill not older than 6 months (no cell phone bills)
  • A bank statement (only if a non-Republic Bank account will be used to make premium payments)
Get A Quote

Frequently Asked Questions:

When you’re considering how much coverage you need, you should be thinking about things you pay for now or what your loved ones will need to pay for in the future. Use our coverage calculator to help you determine the coverage amount that’s right for you.

If you want lifetime coverage for the lowest premium, our Term To 100 product is the one for you.

If you want lifetime coverage while saving for the unforeseen, or if you want to choose when you stop paying premiums, our Whole Life product is what you need.

No your premiums are fixed and guaranteed not to change for your entire life.

When a claim is made, we will review to determine if it is legitimate or if investigation is required. Once all documents have been submitted and we have received sufficient evidence to determine the cause and circumstance of death, a lump sum will be paid to your named beneficiary(ies) within one month.

There are few reasons that we may not honour your claim for example suicide, death resulting from attempting to commit illegal activity, or death due to a known pre-existing condition within the first 2 years. For full details regarding benefit exclusion or exemptions you can review the Term To 100 policy contract.

No, we currently only offer life products that insure your own life and protect your loved ones.

No, our Term To 100 product does not carry a cash value which is why it is the cheapest form of life insurance.

Customers can contact us via email at rlicsupport@rfhl.com or via the Contact Us message box on our website.
What will you need?
  • A mobile device
  • One form of ID (DP, NI or Passport)
  • A utility bill no older than 6 months (no cell phone bills)
  • A bank statement (only if non-RBL account will be used to make premium payments)

It is extremely important to answer all of our health and lifestyle questions truthfully so that the right premium is calculated for you and to ensure that your future claim is approved.