Term Life Insurance

Life insurance can help protect families, homes, children's educations and help settle expenses in the event of a customer's death.

  • Protect the family: Life insurance helps replace income when a family needs it most.
  • Protect the home: For most families, their home is the largest asset. Life insurance can enable the family to remain in the home, pay the mortgage and avoid the trauma of relocation.
  • Protect the children's education: Covering the soaring cost of education becomes even more difficult when there is a loss of income. Life insurance helps secure children's futures.
  • Settle expenses: Life insurance can also help cover financial expenses, such as medical bills and funeral costs, as well as unplanned expenses and unforeseen financial crises.

Voya™ TermSmart and Voya TermSmart*NY:

A competitive level term product, 10-15-20 year level premium guarantees renewable to age 951, four No Tobacco underwriting classes, convertible to a cash value policy without evidence of insurability2, can prepay3 up to 10 years.

1 All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies.

2 Certain restrictions and/or limitations may apply; refer to Voya Term Conversion Rules.

3 Prepay option is not available in all states. Prepayment deposits are held in a separate fund earning a guaranteed rate of interest. All interest earnings are income taxable to the policy owner.

Voya TermSmart, policy form series 1315-02/10, may vary by state and may not be available in all states, is issued by ReliaStar Life Insurance Company (Minneapolis, MN).  Not available in New York.  Voya TermSmart*NY, policy form series 3314-02/10, not available outside of New York, is issued by ReliaStar Life Insurance Company of New York (Woodbury, NY).  Both insurers are members of the Voya family of companies.

Voya™ Employee Benefits insurance products and services in the U.S. are provided by ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY). Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Both are members of the Voya™ family of companies. Product availability and specific provisions may vary by state. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues.