Term Life Insurance

Term life insurance covers the policyholder only for a predetermined amount of time (known as the policy’s “term”). Terms typically last from 5 years up to 40 years, and insurance companies will only pay a death benefit if the policyholder dies within the limits of the term.

These types of policies are designed to help cover your loved ones’ financial needs when they are the greatest. For example, a term life insurance policy can help ensure that, in the event of your death, your kids can pay for college or your spouse can continue paying the mortgage. Once your family grows up and your need for insurance decreases, you can choose to let the policy expire or you may be able to renew it for a higher premium.

On average, term policies are the most affordable type of life insurance on the market.

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