Term Life

Protect your family…affordably

You want to give your family everything, but on top of other financial obligations, life insurance can seem like just another expense. Term 10 and Term 20 life insurance can help protect your family’s finances at an affordable cost. Better yet, you’ll feel good knowing you’ve provided your family with the financial protection they deserve.

Why choose term life insurance?

Term life insurance is simple to buy and easy to afford. This makes it the ideal way for young families to get the financial security they need.

Our plans provide protection for 10- or 20-year periods. If you die within the covered period, your beneficiaries receive the amount of the policy tax-free and can use this money any way they want. For example, they can use it to:

• Maintain their lifestyle and pay day-to-day expenses
• Pay for your children’s education
• Pay off loans and debts
• Cover expenses like funeral costs

Select the term that’s right for you.
Term life insurance covers you for 10- or 20-year periods. Once it expires, you can renew your coverage for another 10- or 20-year term until you’re 80 years old, at which point coverage expires (note: premiums will rise when you renew).

You can also convert our term life insurance policies into permanent life insurance or universal life insurance until you are 71 years old without answering questions about your health or taking a medical exam.

How much coverage do you need?
A general rule is 5-7 times your salary. So if your annual income is $40,000, you may want to purchase at least $200,000 in term life insurance.  Contact us so we can discuss your specific needs.

We offer the following coverage options:

• Term Life Insurance
  Coverage under 250,000, with a 10- or 20-year term.
• Term Life Insurance
  Coverage from $250,000, with a 10- or 20-year term.