Protection for a specific period of time

Term Life Insurance

Protection for a specific period of time.

What's right for me?

What benefits does term life insurance provide?

What benefits does term life insurance provide?

 

Have the peace of mind knowing that your family's goals and standard of living will be protected.

 

In the event you pass away, your loved ones will receive the life insurance proceeds income tax free.*

Living Benefits

  • A terminal illness allows you the ability to request virtually all of the death benefit while you are living if you are diagnosed with a life expectancy of 12 months or less. The accelerated death benefit is received income tax free.* Plus, there are no restrictions on how you may use the proceeds.
  • There is a guaranteed conversion privilege that allows you to exchange to a permanent insurance policy with no medical underwriting required.
Living Benefits
Income Protection

Income Protection

  • Term insurance is designed to provide coverage for a specified period of time.
  • With level term insurance, the premium is level and guaranteed.
  • Or, it can be annually renewable. With an annual renewable term policy the coverage remains level, but the premium increases each year. Initially, this is the least expensive term insurance but the cost increases annually.
* Based on current tax laws

LET'S HAVE A CONVERSATION

Insurance can be confusing.

Our agents make it as easy as 1, 2, 3.

1

Help you understand what you have

 

Whether you currently have life insurance or not, an expert agent will have a quick conversation with you and answer your questions.

2

Discuss your personal goals

 

During this conversation, the agent will work with you to determine your goals, whether it be to replace personal income, pay off debt, or provide college education. 

3

Create and adjust your plan to the stages of your life

 

Once you identify your goals, the agent will create a life insurance program that meets your unique needs.