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What is Term Life Insurance?
Term Life Insurance is pure protection for the people you love most. It provides a tax-free lump sum to your family if you pass away during the term of the policy—helping them cover the mortgage, daily living expenses, debts, or future needs like college tuition.
Think of it as a financial safety net. You hope your family never has to use it—but if the unthinkable happens, they’ll be protected.
There are different types of term coverage to fit your needs:
Level Term: Premiums and coverage stay the same for the entire term—commonly 10, 20, or 30 years. Ideal for stable, long-term planning.
Decreasing Term: Coverage decreases over time, often used to cover debts like a mortgage. It’s typically cheaper but more limited.
Renewable Term: Allows you to renew coverage after the initial term ends—without a medical exam—but often at higher rates.
Convertible Term: Gives you the option to convert to permanent life insurance later without new health qualifications—helpful if your situation changes.
Whether you’re protecting your family’s home, income, or future, term life gives you high coverage at a low cost—when protection matters most.
Coverage amounts range from $50,000 to over $10,000,000.
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