Essential and Affordable

Term Life

Life insurance doesn’t have to break the bank. If you’re keen on saving money from the get-go, term life insurance is a widely favored option.

How Does Term Life Insurance Work?

Tailored Term Lengths

Pick a term that suits your needs. Terms typically span 10, 20, or 30 years, allowing flexibility based on your lifestyle.

Your premiums stay constant throughout the term, unless you decide to adjust them.

In the event of the policyholder’s passing during the term, the beneficiary receives the death benefit.

Term life insurance quotes are both budget-friendly and dependable.

Why Do I Need To Protect My Family With Term Life Insurance?

When you purchase term life insurance, it’s like wrapping your loved ones in a blanket of peace of mind and financial stability.

Level Term

Opting for a fixed term is the go-to choice for many. It’s straightforward and lasts for 10-30 years. Plus, the premiums stay steady throughout the entire duration.

Increasing Term

With increasing term life insurance, you can boost the value of your death benefit as the term progresses. Although the premiums go up slightly over time, this option often comes with a higher payout, offering added financial security.

Decreasing Term

Decreasing term life insurance trims down premium payments over time, leading to a reduced death benefit. It’s a sensible choice for individuals anticipating fewer financial responsibilities as they age.

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Riders available to further customize your life insurance.

Life insurance riders are like optional upgrades for your policy, allowing you to tailor your coverage to better suit your needs. These additions provide extra flexibility and benefits that might not be included in the basic policy.

Accidental Death Rider

With an accidental death rider, you receive an extra payout in case the insured passes away due to an accident. Typically, this additional benefit matches the face amount of the original policy, effectively doubling the overall benefit. In the unfortunate event of death resulting from accidental bodily injury, the insured’s family receives twice the original policy amount.

Child Term Rider

This rider offers a death benefit if a child passes away before a specified age. Once the child reaches maturity, the term plan can be converted into permanent insurance, allowing coverage up to five times the original amount without the requirement for medical exams.

Waiver of Premium

With this rider, if the insured faces permanent disability or income loss due to injury or illness before a certain age, future premiums are waived. The financial impact of the main breadwinner’s disability on a family can be significant. In such situations, the rider provides relief by exempting policyholders from paying premiums on the base policy until they are able to resume work.

Critical Illness / Long Term Care

These riders grant access to your death benefit if you’re diagnosed with specific qualifying conditions, although they often exclude terminal illnesses covered by a general accelerated death benefit. If you require qualifying long-term care, a long-term care rider enables you to tap into your policy’s death benefit while you’re alive. Depending on the rider, you may be reimbursed for covered expenses or receive a lump sum to use as you see fit.

Let’s Get You Protected

Ensuring your family’s safety is our top priority. Our mission is to offer you protection that empowers you to lead the life you envision, even in the face of unforeseen events. Our team comprises state-licensed representatives who operate as independent brokers, granting us the flexibility to explore a multitude of options. This freedom enables us to deliver the finest coverage tailored to your family’s specific needs at prices that align with your budget.

As your advocates, we work with over 30 top rated insurance companies, allowing us to sift through a vast array of choices on your behalf. Rest assured, we’re dedicated to crafting a personalized plan that best suits you and your family.

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