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Term Life Insurance 
Term Life Insurance provides life insurance for a specific time period or term. It can often be referred as a temporary insurance or pure insurance. The face amount of the insurance is paid if you die during the term of the policy you have. When you live longer than the term of the insurance coverage, nothing is paid.  Click here to receive a free Term Life quote.  Be sure to check out our frequently asked Term Life questions.
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Term Life Insurance Frequently Asked Questions

Why should I get Life Insurance?

To provide income for your family and loved ones if you should die prematurely. Life insurance benefits are generally received tax-free (please consult your accountant)

 

How much Life Insurance should I get?

If you have a family, we suggest 7-10 times your annual pay. Your individual need will/may vary and typically increase over time due to inflation and other factors.

 

When will the policy begin?

Most companies provide temporary or conditional
coverage while they are underwriting (reviewing) your
application. Typically you are required to submit your first premium payment with your application for this coverage to occur. Generally, your policy will not begin until you receive it in the mail from your agent. If you are replacing existing coverage, we highly recommend not canceling any existing coverage until your new policy has been issued, delivered and your first premium paid.

 

Is a medical exam really necessary to qualify?

Most policies require an exam. The insurance company will pay the costs and have it done at a time and place convenient for you -- usually right in your home. A typical exam will include a blood test and urine specimen, blood pressure reading, height and weight measurement, and a series of questions about your health.

 

Should I get coverage on my spouse and/or children?

Often, families will secure life insurance on both spouses. In addition to final expenses, the financial burden on a family after the premature death of a loved one can be substantial. Often the surviving spouse will take time off work, or change careers to spend more time with the children. Coverage for children is available for final expenses and also to guarantee the child's future ability to remain insured.

 

Will my policy ever be canceled for health reasons?

If you keep your premiums paid on-time, your policy can never be canceled because of a change in your health, and you will not be asked to provide evidence of health in order to renew your policy each year.

You may however cancel your policy at anytime.

 

Does smoking affect my rate?

Rates for Nicotine users are higher than for non-Nicotine users.

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