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Term Life Insurance

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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:


Find a plan for your budget.


Easy to understand.


Get the coverage that fits your life.

Help Protect your family from financial burdens –
provide for their future

Whether you are the one providing full time childcare, are the main financial provider, or somewhere in-between—your death could leave financial burden on your family. Term Life Insurance offers the opportunity to help protect your loved ones from the financial stress your loss could bring.

Term Life can help protect your loved ones from:

  • End of life costs such as paying for your burial, helping minimize the financial burden during an already difficult time
  • Your remaining mortgage balance, ensuring your loved ones can stay in the family home
  • The loss of your income, match your financial contributions so your family doesn’t need to stress about household costs after you are gone
  • Any other financial burden you may leave behind, such as debts and loans

Insure your goals, not just your financial responsibilities

We all have dreams for our family’s future, whether it’s seeing your kids graduate, giving them their dream wedding, or even helping them buy their first home. With a Term Life insurance plan you can help ensure that these dreams can still come true by choosing a payout amount to cover the future costs.

Paying your kids college tuition fees, helping them to build for their future

Wedding funds, provide for your child’s dream wedding

Trust funds, give your children and grandchildren a solid financial start

Any other reason that you’d like to leave a lump sum of money to someone you care about.

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.


  • 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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Peace of mind at affordable prices

Term Life Insurance coverage is affordable. A few factors affect the premium costs including the coverage amount and length of policy. In addition, your gender, health, age etc., can also raise or lower your premiums. Some policies cost less than one dollar per day, that’s a small price to pay for knowing that your family has some protection.

The premiums you want for the life of the policy

Many policies offer fixed premiums for the duration of the policy, meaning your premiums will never increase as long as you pay your premiums in full and on time. Depending on your financial situation, these plans may be a great choice.

  • Your coverage needs change as you age, choosing a fixed term plan lets you get the coverage you need now at an affordable price.

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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.

Speak with an expert on life insurance coverage

(855) 795-3118

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.
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The Knowledge Base

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