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Term Life Insurance is a form of life insurance that provides affordable protection for a specified period of time (the term). Term life insurance allows you to choose the coverage amount that is right for you, with premium payments that do not change for the term of the policy. Term life insurance is flexible, qualifying term policies can be converted to a permanent life or universal life insurance policy.

    Key Benefits of Term Life Insurance

  • Premium options for all budgets
  • Instant approval options available
  • Up to $10 million benefit for your family
  • No medical exam insurance options*
  • Some plans may be converted to permanent policy
  • *Issuance may depend on answers to health questions in the application.

    Common uses for Term Life Insurance

  • Help provide for a family’s loss
  • Cover short-term debts and needs in the event of death
  • Provide additional insurance protection during the child-raising years
  • Help cover specific financial responsibilities like a mortgage or college expenses
  • Supplement a permanent policy or work policy
The best way to say I love you.

    Life stages where Term Life Insurance should be considered…

  • Early and/or lean working years
  • Getting married
  • Having your first child
  • During these life stages when budget is a primary concern, term life insurance can provide valuable coverage at an affordable price.

Prepared firefighter family

Jim, a 28-year-old firefighter, bought his first life insurance policy for his wife and then a term policy when he and his wife started a family — he was a planner. Tragically, Jim was diagnosed with colon cancer shortly after the birth of their second child.

Watch this video to see how Jim’s planning efforts helped him take care of his family when he passed on.

Tragic reality of being uninsured

Hannah’s mother was being treated for undiagnosed diabetes before she passed away. The family realized that there was no life insurance policy and then Hannah’s father lost his job. The family had to sell their house to recover financially.

Watch this video to see how being uninsured can have such a devastating impact on a family’s future.

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