Banner Life vs Pacific LifeTerm life insurance compared

Term lengths

How many years the premium stays level. Longer terms cover a mortgage or children for longer.

Coverage amount

The smallest and largest death benefit the insurer publishes for this product.

Ages you can buy

The youngest and oldest age you can apply at, on any term.

Oldest age for the longest term

The longest terms have a lower age limit. This is the cut-off for this insurer's longest one.

No-exam limit

The largest amount that can be approved without a medical exam, for applicants who qualify.

Convert to permanent

How long you can switch to lifelong cover without new health questions.

Terminal illness benefit

Part of the death benefit paid early if you are diagnosed with a terminal illness.

Children's rider

Optional cover for your children on the same policy.

Renewable to

After the level period ends, how long you can keep the policy (the premium rises every year).

Sold in New York

New York has its own rules, so many insurers sell there through a separate company or not at all.