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âSmallâ term life policies are available with under $50,000 in coverage, but policy amounts can go into the millions. Term life is typically sold in lengths of five, 10, 15, 20, 25 and 30 years. âLevel premiumâ term life means youâre locking in a price for the length of the policy. Typically you will pay a monthly or annual premium to keep the insurance in force. âAnnual renewableâ term life is a one-year policy that renews every year for a higher price.
Answer. Yes. If your policy is paid current, you may input your payment information and schedule the effective date of the payment up to 30 days from the current date. However, you will not be able to schedule a payment to be effective past your premium due date.