Term Life

With much less expensive premium payments than permanent insurance products, term is a good starting point for your investment portfolio. We represent companies where term life insurance can be offered on an individual or group basis.

Pro’s

Term life has the lowest premium rate for the highest amount of death benefit.

Con’s

Term life has a temporary death benefit. This means that coverage expires at the end of the certificate term.

Length of Coverage

10,15,20, or 30 years.

Premium

Premium payments can be made monthly, quarterly, or annually for the length of the coverage period.

Cash Value

There is no cash value. For cash value – see Universal or Whole Life.

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