Enable Java Script

Either your browser does not support JavaScript, or you have JavaScript disabled.
You must have a JavaScript-enabled browser to use this site.

Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.


To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.


To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.





Husband gives his wife a piggyback ride on the beach at sunset.

Term Life Insurance

​Make life insurance planning part of your long-term financial strategy to help you provide for your family’s future financial needs and protect your assets. Learn how M&T Securities, Inc. can help.




​​​Why consider Term Life Insurance?

Term Life Insurance policies can be used​ to help:​​

  • Tax-free death benefit paid to the beneficiaries
  • Sustain a small business in your absence
  • Avoid leaving a burden of debt on your loved ones after you're gone (such as a home equity line of credit, a home mortgage or a car loan)

You may also want to consider Credit Life & Disability Insurance, which is a type of life insurance designed to cover specific debt.

​​How It Works

Term Life Insurance provides death benefit protection for a specified period of time. Proceeds are payable to a beneficiary at the death of the insured, provided the death occurs within the term of the life insurance policy. Term Life Insurance is typically the least expensive type of life insurance, as it covers a shorter period of time (from one to as many as 30 years) and does not include any cash value at the end of the term, like Permanent Life Insurance can.

Rates & Premiums

Term Life Insurance guarantees rates and coverage for an initial period. To remain covered beyond the initial contract you may need to sign a new application and pay an increase in premium.

Since term policy premiums are based on the likelihood of your death, the cost of insurance increases as you get older. Term Life Insurance does not offer cash value, but can often be converted to Permanent Life Insurance, which can provide lifetime protection and build cash values.

Features & Benefits

  • Term Life Insurance can be used on its own or to supplement a Permanent Life Insurance​ policy and provide additional coverage
  • Term Life Insurance is available for terms such as 1, 5, 10, 15, 20 and 30 years
  • Certain riders (or options) can be attached to Term Life Insurance policies, which are designed to enhance the basic coverage offered under the policy
  • Your beneficiary will be paid the face value of the policy if death occurs before the term expires