Term Life Insurance

Our Agents are ready to help you determine if Term Life coverage is right for you.

Term life insurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time. Term life insurance periods usually last anywhere from 10 to 30 years, and you pay a monthly or annual premium during this time to keep the policy active.  

Depending on the type of term life insurance you have, the premiums can stay the same, increase over time, or in some cases decrease over time for the entire length of the policy.

If you outlive your term life policy, the policy expires and you are no longer covered. You have several options after that:

• If you still need life insurance coverage, you can purchase a new term life policy (at a higher cost than the original policy).
• If you still need life insurance coverage, you can convert your policy into a whole life policy.
• If you had a return of premium policy, the premiums you paid over the policy term will be refunded to you.