Renewable term lets you buy good coverage when you need it most.
Young families learn about responsibility in a hurry. All of a sudden the carefree single life is replaced with demanding children, long-term mortgages, needed home improvements and an ever-lengthening wish list.

The family comes first, of course, but how do you do the best thing for your family?

ART (Annual Renewable Term) 2000 coverage from the National Catholic Society of Foresters offers you much-needed family protection at affordable rates. Plus you are guaranteed the right to renew your coverage each year without submitting any evidence of insurability, up to age 90. In other words, if your health deteriorates, you are assured of insurance coverage for your family.

One plan option pays your premium if you are between 16 and 59 years old and are disabled for a time. Another option, the Accidental Death Benefit rider, pays double your face amount of coverage if you are between ages 16 and 64 and are killed in an accident.

Budget premium guarantees.
Each year your premium will increase somewhat, simply because you are a year older. Your agent can explain the range of increases you can expect for the coverage you choose. In many term plans, you cannot be sure what your annual increase will be. With ART 2000, the size of annual premium increases is guaranteed, so you know how to budget accordingly.

In a few years, those annual increases may increase your annual premium to the point that you might prefer a different plan of life insurance, such as ordinary or universal life, which build cash values. No problem. Your ART 2000 plan contains a conversion privilege that allows you to change to a permanent plan of life insurance, up to age 65, without providing evidence that you are an insurable risk. You cannot be refused the right to convert your plan.

If you decide to convert your ART 2000 coverage to a plan of permanent insurance, consult your NCSF agent. The Society has several plans that you would be able to convert to, and you will want input from an insurance specialist before you make your decision. All of the permanent plans available to you build cash values, but there are variations you will want to know about.