Term Life Insurance provides coverage for a set period, such as 10, 20, or 30 years. If the insured passes away during the term, their beneficiaries receive a lump-sum payout. It’s one of the most affordable ways to protect your family’s financial future.

The amount depends on your financial responsibilities — like your mortgage, income replacement, children’s education, or outstanding debts. Our agents can help you determine the right amount based on your needs and goals.

If your policy term ends and you’re still living, coverage stops, and no benefits are paid. However, you may have the option to renew or convert your policy into permanent life insurance before the term ends.

Yes, some plans offer simplified or guaranteed issue options with no medical exam required. These are ideal for those who want fast approval or may have health conditions.