What is Term Life Insurance?
Term life insurance provides coverage for a specific period—such as 10, 20, or 30 years—offering a cash benefit to your beneficiaries if you pass away during that time.
Policy Features:
Level Premiums
Convertibility
Custom Terms
High Coverage Amounts
No-Cost Riders
Optional Return of Premium
FAQ
Who should consider term life insurance?
Anyone needing coverage for a specific period—such as until kids are grown, debts are paid, or retirement savings are secure—should consider term life.
What happens when the term ends?
Coverage ends unless you convert to permanent insurance or renew. Some policies offer a renewal option, usually at a higher rate.
Can I convert to whole life?
Many term policies include a conversion feature, letting you switch to permanent coverage without a new medical exam.
Are premiums fixed for the term?
Yes, your premiums stay the same throughout the policy term, making budgeting predictable.