ANNUAL RENEWABLE TERM (ART)
COVERAGE AT A REASONABLE, COST-EFFECTIVE RATE WHEN YOU NEED IT MOST.

Annual renewable term insurance (ART) is a type of term life insurance that offers a (typically) less expensive option with a guarantee of future insurability for a set number of years. During the term period, the policyholder can renew annually without reapplying or taking another medical exam to reestablish eligibility.