Term to 100 is a form of a permanent life insurance. Both the premiums and the Death Benefit are level for your entire lifetime - they never go up, they never go down. You pay the premiums until you reach age 100. Once you reach 100 years of age, premium payments will no longer be required. The Death Benefit will still continue. Term to 100 is commonly used if you are looking for low cost insurance for the rest of your life for such needs as creating an estate or burial expenses.
Unlike Whole Life or Universal Life, Term to 100 does NOT have any Cash Surrender Values should you cancel your policy. Since there are no Cash Values, premiums are typically less expensive than other permanent policies that do.
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