Term Life is temporary life insurance. If you want the most possible coverage you can buy to protect your family against the financial burden caused by your premature death, term life insurance might be for you.

The biggest advantage is that it has very low premiums in comparison to a permanent life insurance policy. You can purchase term life insurance for a term as short as a year, or as long as 30 years. Term life insurance is very simple: if you die during the term of the policy, the benefit is paid. If you don’t die during the term, you may be able to continue the policy, but the rates will increase substantially.

We have the most competitive rates on term life insurance policies from the best insurance companies. Rates change all the time, so you may be eligible for better terms than you currently have. Do you have the best possible term insurance rate you qualify for? Do you have enough life insurance coverage?

Return of Premium is the best of long-term protection and low premiums. Many people struggle to choose a life insurance policy. If you buy a term life policy, you may get a great rate, but your policy will eventually expire. Whole life offers permanent protection, but it can be very expensive.

Return of Premium Term Life Insurance is an innovative product that combines the best of both worlds. Like a typical term plan, if you died during the policy term, your beneficiary would receive the full death benefit. However, if you kept your policy and did not die during the term, you would receive a refund of the entire amount of premiums you had paid for the policy. It’s protection if you need it, and money back if you don’t.

If you need a life insurance policy with a lot of flexibility and with a guaranteed rate of return on your investment, a universal life plan may be perfect for you.

Universal life is really a form of whole life, except that it has even more flexibility. Universal life allows you to pay premiums at any time, in virtually any amount, and you can lower or raise the death benefit fairly easily. Typically, a universal life policy will have a guaranteed rate of return on your cash value. These guarantees will rest solely on the claims paying ability of the insurance company, so it is critical to select a universal life policy carefully.