Term Life Insurance

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  A term life insurance policy is the simplest, purest form of life insurance: You pay a premium for a period of time – typically between 10 and 30 years – and if you die during that time a cash benefit is paid to your family (or anyone else you name as your beneficiary).

This affordable, simple coverage helps protect your family by replacing your lost income in the event of a death. Term life lasts for a specific amount of time and its payments will never increase.

Term life coverage may be right if you: 

• Require coverage for a certain period of time, such as  until your children are grown
• Want to help your family maintain their lifestyle or  stay in their current home if you’re no longer around
• Need to make sure debts, such as a car loan or credit  card, are paid off
• Are just entering your prime earning years and need an affordable premium