Term Life Insurance

Term insurance is generally the least expensive and least complicated type of life insurance. It provides insurance protection at a low cost for a specified period of time, such as 1, 10, or 20 years. If you die within the term period, a death benefit is paid to your beneficiary. If you are still living at the end of the term, protection ceases unless the policy is renewed. There is no "accumulation" element or cash value with term insurance.

Term life insurance is good for people with a short-term need for life insurance protection or those who need a large amount of insurance protection, but have limited budgets.

This insurance is a good way to supplement other coverage when you have added financial responsibilities for a given period of time (e.g., mortgage, college expenses).

Death benefits are generally received free from income tax.

To obtain more information and/or a quote on this type of insurance, click our Quotes link, and one of our agents will contact you soon.

All applicants are subject to insurance company underwriting guidelines and qualifications.