Cinergy Health provides Term and Whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life. Term Life Insurance is the most straight-forward type of life insurance and the easiest to understand. Term life insurance offers the most affordable life insurance coverage for the family. Cinergy Health offers many options so that customers can find a term life policy that meets their family's needs. Customers can select a face amount from $25,000 up to $250,000. The term of coverage may be 10, 15, 20 or 30 years. The premium rate is guaranteed to remain level for the full initial term at time of issue. There are also riders that provide coverage for children.