Term Life Insurance


Coverage for a specified period of time (10, 15 years or more) provides your beneficiaries with a death benefit, should you pass away during the course of the term.


  • The most common and most affordable type of coverage.


  • Easy to understand.


  • Ideal for short-term needs.


  • Typically offers the ability to convert to permanent coverage later on.

Many people buy term insurance when they are young and in good health, because the premiums are typically inexpensive. This type of coverage works well for families with limited budgets and who have liabilities such as a home mortgage, credit cards and other debts, and young children who would suffer without the parents' income. With this protection, in the event of an untimely death, surviving family members will be able to meet their debts and other obligations.