Term life insurance protects you from the family’s loss of income, short-term debts, mortgage debts and pays for the college education. 

Term life insurance is the most straightforward and affordable type of Life insurance because it covers for a specific amount and for a specific amount of time.

Useful Information:

  • Term Life insurance offers premiums on a monthly, quarterly and annual basis.
  • Some typical terms are 10, 15, 20, 25, and 30 year terms.  A policy is normally rated as smoker or non-smoker.  For non-smoker rating, there are several health classes such as standard, preferred, and ultra-preferred that will be determined by a paramedical exam, and will influence the rate based on the result.  The main rating factors are age, gender, health class, term, and benefit.
  • Term Life insurance is a level term because the cost of the insurance is exactly the same throughout the life of the policy.
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