At-A-Glance Product Overview

Single Premium Term Life

  • Low, one-time premium enables you to build a secure future for children or grandchildren
  • Children ages 15 months to 15 years are eligible, with protection up to age 22
  • At age 22, policy can be converted to a Permanent Life policy with no health questions to answer
  • Request a quote or visit one of our CT and RI bank branches

20-Pay Permanent Life

  • Covers child for entire lifetime
  • Builds tax-deferred cash value
  • Low-cost annual premiums enable you to build a secure future for your children or grandchildren
  • Policy continues for life when paid in full
  • Request a quote or visit one of our CT and RI bank branches

*Insurance products are offered through Vantis Life Insurance Company. They are not a deposit, not FDIC-insured, not insured by any federal government agency, not guaranteed by the bank and may go down in value.

  • Premiums remain level and do not increase with age
  • Coverage continues for life and earns cash value and dividends
  • Policy sizes from $10,000 to $1,000,000 available
  • Multiple plan choices available
  • Request a quote or visit one of our CT and RI bank branches

*Insurance products are offered through Vantis Life Insurance Company. They are not a deposit, not FDIC-insured, not insured by any federal government agency, not guaranteed by the bank and may go down in value.

  • Guaranteed, hassle-free protection with no physical exam or health questions for anyone between 50 and 80 years of age
  • Premiums will never increase, benefits will never decrease
  • Cannot be cancelled because of age
  • Choose from policy sizes of $5,000, $10,000, $15,000 or $20,000
  • Request a quote or visit one of our CT and RI bank branches

*Insurance products are offered through Vantis Life Insurance Company. They are not a deposit, not FDIC-insured, not insured by any federal government agency, not guaranteed by the bank and may go down in value.



  • One-time deposit of as little as $10,000 
  • Coverage earns cash value provides beneficiaries with tax-free death benefit
  • Avoid the cost and hassles of probate court 
  • Accumulates tax-deferred interest 
  • Request a quote or visit one of our CT and RI bank branches

*Insurance products are offered through Vantis Life Insurance Company. They are not a deposit, not FDIC-insured, not insured by any federal government agency, not guaranteed by the bank and may go down in value.



  • Ideal coverage for mortgages and loans, income replacement, educational costs, family protection and more 
  • Lock in your rate for 10 to 30 years 
  • Policies available up to $5 million 
  • Can covert to Permanent Life Insurance before age 65 with no evidence of insurability required
  • Request a quote or visit one of our CT and RI bank branches

*Insurance products are offered through Vantis Life Insurance Company. They are not a deposit, not FDIC-insured, not insured by any federal government agency, not guaranteed by the bank and may go down in value.


  • Provides for beneficiaries if you die during the premium period
  • If you outlive the premium period, you receive a lump sum payment of 100% of premiums paid 
  • Lock in your rate for 20, 25 or 30 years 
  • Can covert to Permanent Life Insurance before age 65 with no evidence of insurability required
  • Request a quote or visit one of our CT and RI bank branches

*Insurance products are offered through Vantis Life Insurance Company. They are not a deposit, not FDIC-insured, not insured by any federal government agency, not guaranteed by the bank and may go down in value.

**Cumulative term life and ROP rider premiums paid (excluding flat extras, substandard ratings, and additional rider premiums) will be returned at the end of the level premium period (20, 25, or 30 years) to the policy owner, if no death benefit was paid and the policy is then in force. Returned premiums are generally income tax-free – consult with your tax advisor for specific information about your personal tax situation.

If you still have questions, contact us or visit one of CT and RI bank branches where you'll find a licensed Vantis Life Agent eager to assist with an array of Savings Institute Bank & Trust products.

Insurance products are offered through Vantis Life Insurance Company. They are not a deposit, not FDIC-insured, not insured by any federal government agency, not guaranteed by the bank and may go down in value.