Term Life Insurance Policy

A term life insurance policy provides you and your loved ones with life insurance protection for a specific number of years.

Your beneficiaries will collect, usually federal income tax-free, the face value of the policy upon your (the insured’s) death during the policy term.

Term insurance is often purchased by those with limited income, high insurance needs for a set number of years, or to protect your family. It’s ideal for young families on a tight budget with high insurance needs. Request your free term life insurance quote.

If the insured outlives the policy term, the coverage expires. There is no cash value with a term policy. Some term policies offer a conversion privilege, allowing the insured to exchange their term insurance policy for a whole life policy without taking a medical exam, or proving insurability.

• Level Term Life Insurance – This is the most common type of term policy. It offers you a level premium that stays the same for 10, 15, 20 or 30 years. The death benefit is level for the term of the policy. To request your free quote, click here.

• Decreasing Term Life Insurance – This type of term life insurance policy has a decreasing death benefit and the premiums remain level.

Term life insurance offers you and your family the maximum amount of life insurance protection at the most affordable rates.