Term Life

Help secure your family’s financial future with easy, affordable protection.

Term Life Insurance policies offer flexibility that can provide a lifetime of security. Your term life policy can be converted to any of our permanent life insurance policies, without the need for a medical exam during the conversion period.

A Fixed Death Benefit

A fixed death benefit that pays your beneficiary if you pass away during the term.

Replace Lost Income

High coverage amounts relative to the price that may replace your lost income.

Premiums Don't Increase

Premiums will never increase throughout the life of the policy.

Simply put, it’s an affordable way to provide death benefit protection for your family for a set period of time. It also offers several other advantages:

Term life insurance is one of the most popular types of life insurance policies. It typically provides coverage for a set period of time, such as 10, 20, or 30 years. If the policyholder dies during that time frame, the death benefit will be paid to their beneficiaries. Term life insurance can be an affordable way to provide financial protection for your loved ones in the event of your death.

There are several things to consider when deciding if term life insurance is right for you. First, you'll need to decide how much coverage you need. This will depend on factors such as your age, health, and lifestyle. You'll also need to decide how long you need coverage for. Keep in mind that term life insurance rates tend to increase as you get older.

Another thing to consider is whether you need a level death benefit or a decreasing death benefit. A level death benefit will remain the same throughout the policy term, while a decreasing death benefit will decrease each year. This can be beneficial if you’re looking for coverage to help pay off a mortgage or other debt.

If you’re healthy and have a family history of longevity, you may want to consider a whole life insurance policy. Whole life insurance policies offer lifelong protection and have cash value that can be accessed tax-free in retirement.

No matter what type of life insurance policy you choose, it’s important to make sure that it meets your needs and budget. Work with an experienced life insurance agent to find the right policy for you.

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