Term life insurance insures you for a specific term or span of years. If you die during the term, the beneficiary is paid the coverage amount subject to the policy terms. Because it provides pure insurance without accumulating any cash value accumulation, term coverage is generally less expensive initially than permanent coverage. Term life insurance provides a great answer to the question: How will your family manage financially if you die prematurely?

FAQs About Life Insurance

What makes term life insurance suitable for me?

• Affordable, level term premiums, guaranteed not to change for one, 10, 15, 20 or 30 years.
• Guaranteed conversion to many universal life and whole life policies.

What are the limits on how much I can buy?

• Coverage from $100,000 to $1,000,000 or more.

May I buy other benefits along with my life insurance?

• Waiver of Premium Rider – If you qualify, waives your premium in the event of your total disability.
• Family Insurance Riders - to insure your qualifying spouse and children.

Do I benefit much if I am very healthy and in excellent physical condition?

• Preferred premiums available for healthy clients.
• New underwriting classes offer the healthiest clients the lowest premiums for face amounts of $500,000 or more.
• There are competitive premiums for healthy Smokers.

Any other features I should know about?

• Accelerated Death Benefit Rider – Provides funds for your needs during a terminal illness (not available in all states).