Term life insurance is temporary coverage and provides protection for a specific period of time, or term.  We offer 1, 10, 20, and 30 year level term policies.  Term life insurance is a way to get the most amount of coverage for the lowest cost.  It has a low initial premium and the cost stays level for a specified period of time.  Term insurance is most often used to take care of temporary needs like replacing your lost income or paying off the mortgage. The main drawback to term insurance is that after the specified term is over the cost will increase.  The good news is that all of our term products are convertible to permanent insurance and depending on your age you may not be required to complete any medical exams or answer any health questions.