Contact Us Today for No Hassle Best-in-Class Service | (626) 808.4083
Affordable Coverage: Get the protection you need at a price you can afford.
Flexible Terms: Choose from 10, 15, 20, or 30-year policies to fit your needs.
Peace of Mind: Ensure your family is financially secure in case of the unexpected.
Term life insurance is a type of life insurance policy that provides coverage for a specific period, or “term,” typically ranging from 10 to 30 years. If the policyholder passes away during this term, the beneficiaries receive a death benefit.
Fixed Term: Coverage lasts for a predetermined period, such as 10, 15, 20, or 30 years.
Death Benefit: Provides a tax-free lump sum to beneficiaries if the insured dies during the term.
No Cash Value: Unlike permanent life insurance, term life insurance does not accumulate cash value.
Affordability: Generally, term life insurance is more affordable than permanent life insurance because it only provides coverage for a limited time and does not build cash value.
Simplicity: Easy to understand and straightforward, making it a good option for those new to life insurance.
Flexibility: Policies can be tailored to fit your needs, with various term lengths and coverage amounts available.
Choose a Term: Decide on the length of coverage you need (e.g., 10, 20, or 30 years).
Determine Coverage Amount: Select the amount of death benefit that will provide financial security for your beneficiaries.
Pay Premiums: Make regular premium payments to keep the policy active.
Receive Benefits: If the policyholder dies within the term, the beneficiaries receive the death benefit.
Renewal Options: Some policies allow you to renew after the term ends, but premiums may increase based on age and health at the time of renewal.
Conversion Options: Many term policies offer the option to convert to a permanent life insurance policy without a medical exam.
Health and Age Factors: Premiums are typically based on the policyholder’s age, health, and life expectancy.
Income Replacement: Provides financial support to replace lost income for dependents.
Debt Coverage: Can be used to pay off mortgages, loans, and other debts.
Future Planning: Helps secure funds for children’s education and other future expenses.
What is term life insurance? Term life insurance provides coverage for a specific period, typically 10-30 years. If the policyholder passes away during this term, the beneficiaries receive a death benefit.
How much coverage do I need? Contact us so we can complete a needs assessment to determine the appropriate amount of coverage..
Can I convert my term policy to a permanent one? Yes, many of our term policies offer the option to convert to permanent coverage, but not all of them do.
Get a Quote: Use our online tools to get a personalized quote based on your needs.
Apply: Complete an application. Some policies require a medical exam while others do not (i.e. guaranteed issue).
Review and Accept: Once approved, review the policy details and accept the coverage.
