Term Life Insurance

An investment in your family’s future

Whether you’re a family of two or a family of twenty, seeing your loved-ones grow and flourish is one of the most rewarding experiences in life—but it can be easy to stress about their future. If your loved ones would suffer financially without you, a little planning can save a lot of worrying. Term life insurance helps provide those you care about with financial stability after your death and gives you the peace of mind in knowing that your family is provided for.

Term Life: How does it work?

It’s simple, a Term Life Insurance Policy pays out if the policyholder dies within a set period of time helping provide financial protection for the beneficiaries. If you’re currently healthy getting coverage is quick and easy. In fact, some policies don’t even require a medical exam. However, certain policies may require answers to simple health questions as part of the qualification process.

Advantages of Term Life Insurance
Term Life Advantages:

Affordable

Find a plan for your budget.

simple

Easy to understand.

customizable

Get the coverage that fits your life.

How can I find the right policy?

Build the Term Life Insurance Policy that most fits your needs

There are numerous types of Term Life insurance policies that can be customized to fit your needs, whether you’re mostly concerned about your family’s living costs over then next ten years, or you are looking for something more long-term, you’ll have great options.

The most common policy lengths to choose from are:

Coverage amount levels are also customizable. Get coverage for the amount you need to ensure that your family would not be financially burdened following your death.

You can also add riders to your policy, meaning there are many options available to make your policy just the right fit for you.

KEY FACTS:

• If you live longer than the length of the policy, then coverage ends and most policies will not pay out anything. However, some Term Life policies can be renewed or converted to whole life plans.

We work with recognized life insurance plan carriers nation-wide making your search fast & easy.
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Finding the coverage amount that will give you peace of mind

With a few calculations it’s easy to work out what amount of coverage you need. When looking for a Term Life plan you should consider how much money your family would need to be financially comfortable if you were to pass away during the policy term.

For example, the figure may include:

• Replacement of your income for a certain amount of time
• Child care expenses
• College costs for your children
• Mortgage and other debts
• End of life costs (such as cremation or burial and funeral)

Whatever your situation, it’s easy to find a plan to fit your needs. If you need additional help our agents can help talk you through your options, helping you find the coverage level that’s right for you.

Choosing the right time to buy

It’s never too early to buy life insurance when you have people who depend on you. Many people buy life insurance after a life event such as marriage, buying their first home or having their first child. The key thing to remember is that everybody is different, so the right time is different for everyone.

Are you putting off buying insurance because you’re waiting for the “right time”? One important thing to remember is that most life insurance is not guaranteed to be issued when you apply. This means that if you wait, and something happens that affects your health, your options would be greatly reduced.

Key things to consider when choosing the right time:

• Plans may cost more the older you get
• If your health declines you may not be able to get coverage or it may cost significantly more
• It’s never too early to plan for your family’s future, prepare for the unexpected.