Term To 100 Life Insurance
Term to 100 Life Insurance
Term to 100 (T100) is a permanent life insurance product that provides lifetime coverage with a level premium and no cash value or investment component. It is often used in estate planning or to fund fixed future obligations such as taxes at death, business buyouts, or charitable gifts.
T100 is a pure insurance solution—it is designed for individuals who want permanent protection at the lowest possible long-term cost, without the added complexity or investment exposure found in participating or universal life policies.
Key Features
Lifetime coverage with no expiry (premiums stop at age 100, coverage continues)
Level premiums for life, guaranteed at issue
No investment component and therefore no cash surrender value
Simple and transparent structure—ideal for estate protection needs
Why Choose Term to 100? T100 is often used by
Individuals seeking permanent coverage at a fixed cost
Business owners funding buy/sell agreements
Families looking to cover estate taxes or leave guaranteed legacies
Donors making planned charitable gifts using life insurance
Unlike whole life or universal life, every premium dollar goes toward insurance coverage, not toward building equity. This structure provides maximum death benefit per premium dollar in later years, making T100 highly cost-effective for those who do not require liquidity or cash values during life.
Tax and Estate Planning Benefits
The death benefit is paid tax-free to beneficiaries or to a corporation
When owned by a corporation, the death benefit (minus ACB) creates a credit to the Capital Dividend Account (CDA)—allowing for a tax-free distribution of corporate assets to heirs or surviving shareholders
T100 is also commonly used alongside insured retirement or wealth transfer strategies to guarantee estate liquidity or fulfill tax obligations at death
Efficient estate transfer, including tax-free corporate payouts and capital dividend account (CDA) credits
Corporate Ownership Use Case: T100 is frequently chosen by incorporated professionals or holding companies that
Want guaranteed insurance for future tax liabilities
Prefer a simple, low-maintenance solution
Do not need to build or access policy cash value
intend to maximize estate value and utilize CDA planning
Conclusion
Term to 100 is a straightforward, no-frills permanent life insurance solution that offers lifetime coverage at a guaranteed cost, making it ideal for estate planning, business succession, or charitable giving. It is often the lowest-cost permanent option available when long-term protection is needed without an investment component.
