1. Term Life 101

Term life insurance provides pure protection — paying a guaranteed death benefit if the insured passes during the policy term. Once the term ends, you can renew, convert to permanent coverage, or let it expire.

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2. Key Benefits

• Simple, affordable coverage with guaranteed death benefit.

• No cash value or investment component — every dollar goes toward protection.

• Premiums based on age, health, and life expectancy for cost efficiency.

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3. How It Works

Your premium is calculated based on your coverage amount, age, and health at the time of purchase. Some policies may require a brief medical exam.

If you pass during the policy term, your beneficiaries receive the full tax-free benefit, which can be used for mortgage payments, debts, or living expenses.
If you outlive the policy, you can renew or convert your coverage — typically at your new age and rate.

Term life offers straightforward protection with no savings or investment feature — just pure peace of mind.

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4. Speak to a Licensed Insurance Agent

Our independent advisors will help you compare multiple carriers to find the best rate and term length for your goals. Fill out a short form, and we’ll get you covered fast. Speak to an Agent – To see the full list of carriers we work with, click here.