Term Life Insurance is the most recognized and widely used type of life insurance.  It provides coverage for a specific period, offering financial protection for your loved ones in case of the unexpected. 

Terms options are typically 10, 20 or 30 years.  Shorter terms cost less per month for the same amount of coverage.  Some carriers offer a 15 year term and a select few offer "cash back" or "ROP" return of premium options for certain policies.  With these, you can get some or all your premiums paid back at the end of the term if you don't use the policy.

 

In addition, the term policies from our carriers come with "Living Benefits" included.  

Living benefits gives you an option to file a claim on your policy in the event of becoming Critically, Chronically or Terminally Ill.  Depending on the diagnosis you can access anywhere from 20 - 100% of your death benefit without having to die.  Truly Living Benefits!

 

With its straightforward structure and affordability, it's an excellent choice for those seeking peace of mind without the complexities of permanent insurance. 

Consider filling out the consultation request below to find a plan that fits your needs.