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Term Life Insurance

What is Term Life Insurance?
A term life insurance policy covers the policyholder for a specific amount of time, which is known as the term. The term lengths vary according to what the individual chooses. Terms typically range from 10 to 30 years, providing level term life insurance. Among the most popular life insurance products available, term life insurance policies tend to be more affordable. They typically provide an amount of coverage for much less than permanent types of life insurance.

A term life insurance policy covers the policyholder for a specific amount of time, which is known as the term. The term lengths vary according to what the individual chooses. Terms typically range from 10 to 30 years, providing level term life insurance. Among the most popular life insurance products available, term life insurance policies tend to be more affordable. They typically provide an amount of coverage for much less than permanent types of life insurance.

How does Term Life Insurance work?
Term life insurance can offer fixed premiums for the entire term (Level-Term) or life insurance on level terms. The death benefits can be fixed as well. Because it’s affordable and the payments can stay the same, term life insurance policies are popular with young people just starting out, families and people who want protection for a specific period of time. For example, someone who wants to protect an income until retirement or while paying off a home mortgage.

Can I convert my term policy into a permanent life policy?
The option to convert term life insurance can be “a valuable benefit” for some. This option allows people to convert their term life insurance into a permanent life insurance policy, without a medical exam or the need to prove insurability. As time goes on, policyholders may need more coverage, or they might decide a policy with a cash value makes more sense. Having the ability to convert the policy offers nice flexibility as needs or financial goals change. The ability to convert does not run for the entire term, so it’s wise to watch for the deadline.

Lowest Price You will not find a better price anywhere for the Life Insurance policy.
Largest Selection Our relationships to the Life Insurance carriers gives us the ability to create the perfect customized policy for you. Get protection no matter your health or medical background .
Exceptional Service We’ve served the insurance community with distinction for over 30 years and our team has helped secure the right policies for 500K+ families. Our top priority is to provide exceptional service to our clients.

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