TERM INSURANCE:
Term life insurance is typically the lowest cost, simplest life insurance that a consumer can purchase. In return for premium payments the insurance company promises to pay a death benefit for a determined period of time if the insured should die. This type of policy typically does not accumulate cash value and the insurance company does not owe anything to the policyholder at the end of the term if a claim has not been made. To qualify for these policies sometimes the insurer may ask that certain requirements to be met, such as a telephone interview, or a short in-home nurse visit to check vital signs. Many people buy term life insurance to cover replacement of income, educational expenses, and any other financial obligations that have a set amount of time that they may be financially responsible for. Term Life Insurance can provide you with larger amounts of death benefit at an affordable price. Our term offerings vary from 10, 15, 20, 25 or 30 year coverage. With our term insurance you have the option to guarantee the monthly premium over the full term of the insurance, combine disability protection, critical illness protection, and return of premium, terminal illness benefits, accidental death benefits, and children’s coverage. There are different options of term life insurance and cost varies according to the plan. The good news is, since we represent a large number of insurance carriers we are able to search hundreds of policies to find you the best coverage for the best price.

Return of Premium Benefit - Receive all the money that you pay for premiums back at the end of the term.

Disability Protection - Receive a specified amount of monthly payments in the event of disability.

Waiver of Premium Benefit - Your premiums are paid in the event that you become disabled.

Critical Illness Benefit - You have the option of receiving a lump sum in the event you are diagnosed with a critical illness such as cancer.

Unemployment Benefits - Automatic payment of premiums if you become unemployed.

Guaranteed Premiums - The premium amount will not increase, as you grow older.

Children’s Riders - Our plans can include the coverage of your children, which can be, converted for up to five times the insurance amount.