Term Life Insurance

Term life insurance provides protection for a specified period of time or term. If you do not currently have any life insurance, term can be a great place to start.

Term life insurance is generally less expensive than permanent whole life/universal life insurance and is available in varying time periods with fixed premiums. We offer term policies from a 5-year term all the way up to a 30-year term period. Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
Term Insurance provides the best solution to life’s most common need and you can buy more than one term policy if later you develop a need for more coverage:
What do I do if I lose the income of my husband or my wife?
How do I provide a college education for my children if one spouse passes causing major hardship on the family and loss of income?
Here are real-life samples of policies that we have issued for our customers solving their need for a lot of Insurance for very little money.

  1. Betty a non-smoker age 39 w/ some health issues and a little overweight- Got a $500,000 life policy on a 30 year term for $87/month!
  2. John age 31 and his wife age 29 both non-smokers both got a $500,000 life policy on a 30 year term. John’s rate was $35/month and his wife’s rate was $30/mo.
  3. Sherry age 35 a non-smoker and main income earner for the family got a $750,000 life policy on a 30 year term for $53/month and Frank her husband age 37 a nonsmoker got a $500,000 life policy on a 20 year term for $29/month. Both were in excellent health.

The big advantage of a life policy is that the benefits are income-tax free. Your beneficiaries can use the money for college tuition, pay off the mortgage, or just daily life expenses. No matter what your present health condition is we can provide rates that are competitive. We use all of the top Life Insurance companies and shop the best rate for you and your wife.

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