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Here are some factors you should consider
when buying a Term Life policy:

A Term Life policy can provide for final expenses, mortgage protection, child care, a child’s education and other expenses in the event of the death
of the primary provider.

Premiums are less expensive for a higher
amount of coverage.

Many term policies are convertible to Whole Life, which allows the insured to change or upgrade the policy without a medical exam.

These are just a few of the reasons why
Term Life insurance may be right for you.

Available Products

Term Renewable to Age 90

This plan can be issued to adults ages 18-65 in amounts ranging from $50,000 to $1 million. It can be renewed annually after age 65 with an increase in premiums upon renewal. It is convertible to Whole Life to age 70 with no medical underwriting.

20-Year Level Term

This plan can be issued to adults ages 18 to 50 in amounts ranging from $50,000 to $1 million. It has a level benefit – level premium feature. It is non-renewable but is convertible to Whole Life with no medical underwriting while in force. 

Newborn Term

This is a $5,000 Term Life plan that is issued from 10 to 90 days after the baby is born that expires when the baby is 12 months of age. The premium is just $1.00. There is no medical underwriting required. It is not renewable and not convertible and no riders are available. 

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What's Right for Me?

What product is best for you? How much protection do you need?
These questions are best answered through the process of analyzing needs.

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