Term Life Insurance
Affordable Coverage for the Years You Need It Most
Straightforward Protection for Your Family & Assets
What Does Term Life Insurance Cover?
Term life insurance provides affordable, temporary coverage for a set period, such as 10, 20, or 30 years. It's an excellent option for families who need protection during critical financial years-covering things like mortgages, income replacement, or college expenses.

Unlike whole life insurance, term policies do not build cash value but offer high coverage amounts at lower premiums, making them a popular choice for young families and budget-conscious clients.
What's Typically Covered
A term life policy provides a guaranteed payout to your beneficiaries if you pass away during the term of the policy. These funds can help cover living expenses, pay off debts, or secure your family's future.
Common Add-Ons
Some policies allow you to add riders for accidental death benefits, disability waivers, or the option to convert to permanent coverage later on.
Who Typically Uses This Coverage
Term life is ideal for families with children, homeowners with long-term mortgages, or anyone looking for cost-effective coverage for a specific timeframe.
Your Questions About Term Life-Answered
Frequently Asked Questions About Term Life
Here are some of the most common questions we hear about term life policies and how they work.
How long can I choose my coverage term?
Policies typically offer 10, 20, or 30-year terms, but we'll help you find the best fit for your needs.
What happens when my term ends?
You can renew your policy (at a higher premium) or convert it to a permanent life policy, depending on your plan's options.
Is term life cheaper than whole life?
Yes, term life generally has lower premiums because it doesn't build cash value.
Do I need a medical exam for term life?
Most policies require an exam, but some "no-exam" options are available at slightly higher rates.
Who benefits from term life coverage?
Your named beneficiaries receive the payout if you pass away during the coverage period.