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Life Insurance

Term Life Insurance

Can you even imagine the anxiety of driving on the freeway without auto insurance? All of us know that at some point an accident is almost inevitable. But if you have auto insurance, your car will be repaired, and your medical bills will get paid. Term Life Insurance works the same way. It ensures that your family will have preplanned financial assistance to help offset the loss of your earnings in the event of your death.

Term life insurance coverage is an affordable and practical solution to help protect your loved ones. If the policy is in force at the time of your death, then your beneficiaries will receive the coverage amount you select.

Term Life Insurance Facts

  • Simple, customizable, and low-cost
  • Designed for a specific period of need (i.e. years left on mortgage or until children graduate college)
  • Available in terms from five to thirty years
  • Available in a wide array of face amounts

You can get an instant, competitive quote from many of the most highly-rated insurance companies. Just click "Get a Quote" on the sidebar.


Whole Life / Permanent Insurance

Whole life policies have level premium payments whose term lasts the policyholder's whole life. Whole Life premiums are much higher than term insurance, but offer a "cash value", which builds up against the death benefit. Upon maturity of the contract (usually at age 95 or 100), the cash value equals the death benefit.

Term Life or Whole Life?

Term life is often the favored type of life insurance because of its simplicity and low cost. With term life insurance, you pay the premiums and are then covered for the term you choose. Conversely, whole life policies are permanent insurance, guaranteed to pay out when you pass away, and build cash value over time.

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