Term Life Insurance and Term Life Insurance Quotes

Term policies are the most Affordable type of protection.

This type of policy covers you for a term of one or more years. It generally provides the largest amount of protection and premiums are low compared to permanent  policies; due to the fact that term policies generally pay the death benefit only, face amount only, and builds up no cash value.  

Most policies are Renewable

Many term policies can be renewed even if your health has changed; however, premiums may be higher.

Ask what the premiums will be if you continue to renew the policy.

Ask if you will lose the right to renew the policy at some age.

Term policies are also Convertible without evidence of insurability.

Term policies can often be traded for a cash value policy during a conversion period - even if you are not in good health. Premiums for the new policy will be higher than you have been currently paying.  


Of Special Note

Because of Federal Triple X legislation, not all quotes found on the Web will offer you a guarantee for the term of the contract.


Caution: We urge you to notice the difference. 

For example, on a 20-year policy contract, only 10 of the entire 20 years may be guaranteed. Thus a $500 annual premium could turn into an $11,000 annual premium in the 11th year.