Term life insurance is temporary and is purchased for a set length of time, a term. We offer policies lasting one, 10, 20 or 30 years. 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 life 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 life insurance is that after the specified term, the cost will increase.

The good news is that all of our term products can be converted to permanent insurance. Depending on your age, you may not have to complete any medical exams or answer any health questions to convert to a permanent plan.