Term Life

Protection for only when you need it.

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What Is Term Life Insurance?

Term Life Insurance is one of the most affordable types of insurance and provides protection during the “term” during which you pay premiums.

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Term Life insurance may be the right fit for you if you are looking for:

  •  Guaranteed coverage for a specific amount of time or to cover specific financial obligations
  •  Affordability and payments guaranteed not to change
  •  An addition to a work provided life insurance plan
  •  Short-term coverage for debts or other needs
  •  Provide for loss of income
  •  Offer protection to help pay off a mortgage or college loans

Common Types of Term Life Insurance Include:

Basic Term Life - paid by your employer for a set period of time to provide your beneficiaries plenty financial support.

Supplemental Term Life - paid by you as the employee to allow you to purchase coverage as needed according to your situation in life.

Dependent Term Life - Provides coverage for your spouse, partner, or eligible children.

Mortgage Term Life - Provides funds to help pay a mortgage in the event of a premature death. The death benefit begins decreasing after 5 years of coverage, earning it the name “decreasing term” policy.