Term Life Insurance
Term Life Insurance is the simplest, most straight-forward type of life insurance.
Term Life Insurance
When a family experiences the death of a family member, not only is there a period of grief that occurs, but very often there is a loss of income as well. Term life insurance can pay a lump sum to the beneficiary to help with income replacement. Many families also use the benefit to help pay for a funeral or medical bills.
Term Life Insurance is the simplest, most straight-forward type of life insurance. You choose the term length: 10, 15, 20, 25 or 30 years. The policy's premium is based on your age and health at the time the policy is issued. Your premiums will never increase and your face amount will never decrease over the length of your term. Should you need or want to keep your policy after the term is completed you can convert the policy to permanent policy without having to show proof of insurability.
Term life insurance comes with living benefits. Should you become terminally ill you have access to receive up to 50% of your face amount while you are still living to help with bills and everyday needs. You can also add a disability rider to help with monthly payments should you become disabled. Finally, if you qualify you may be eligible to receive all your premiums back at the end of your term if the benefits are not used.
The majority of Americans are under-insured. If you have a policy already we can provide a complimentary policy review to be sure that you are getting the best benefits for your current needs. If you do not have a policy or would like to find out about additional coverage click the button below to receive a free quote.