Term Life Insurance

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Term Life

Coverage When It Matters Most in Life

Term life insurance is flexible coverage used to cover liabilities and protect your family or business during a specific time period.

Policies commonly cover:

10 Years

20 Years

30 Years

And will cover things like:

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Key Person Insurance for a Business

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College Tuition

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You will pay the same premiums while your term lasts, and once it expires, you can either renew your term at a new rate or switch to a permanent life insurance plan.

Term Insurance is a lower initial cost than other insurance types as it is a temporary need. It does not have a cash value and will pay a level benefit that is tax-free to your beneficiary at death.


Making sure a term insurance policy is ‘convertible’ is an important part of the planning process.

A convertible term insurance policy gives the option to be changed into a permanent or participating whole life policy in the future without showing more evidence of insurability.

This can complement almost any type of estate planning.

Contact us today for information on how we can help you select term life insurance designed for you.