Term life is simple, smart protection.
Term life insurance offers essential protection for your loved ones with customizable features and the option to convert to permanent coverage. It’s a great way to start securing your family’s future.
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Selecting the right insurance is as simple as...
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Free Insurance Review
We review your existing insurance policies to uncover holes in your coverage, evaluate ways to fill gaps and make sure your money goes farther.
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Choose Your Plan
We find the best coverage options for you so you can feel confident your customized plan will protect your family and your wallet.
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Rest Easy
Rest easy knowing you’ve got the right company, the right coverage and the right price to take care of you and your family. We share your values and we’ll be here when you need us.
Level Term Advantages
Customize your term life insurance policy to your specific needs.
Since level benefits often mean level premiums, budgeting can be easy. The amount you pay for coverage stays the same year-over-year, assuming you don’t make any changes to your policy.
Living Benefits life insurance offers a modern update by allowing early access to the death benefit if the insured faces specific health conditions, thanks to living benefits or accelerated benefit riders
Since level benefits often mean level premiums, budgeting can be easy. The amount you pay for coverage stays the same year-over-year, assuming you don’t make any changes to your policy.
Annual renewable term life insurance renews yearly, with rising premiums as you age. While initial rates are lower, they increase over time, unlike the fixed premiums of level term life insurance, which tend to be cheaper in the long run.
Available in 10-, 15-, 20- or 30-year terms. Annually renewable to age 95. At the end of the term, you have the option to convert your policy to a permanent life insurance policy.
Living Benefits life insurance offers a modern update by allowing early access to the death benefit if the insured faces specific health conditions, thanks to living benefits or accelerated benefit riders
GoFundMe is not a reliable backup plan if you get sick.
GoFundMe is a helpful tool for supporting those in need, but it’s unreliable in emergencies—only 12% of campaigns meet their goal, and 16% go unfunded. Instead of depending on charity during a health crisis, plan ahead. Living Benefits in life insurance let you access your policy’s benefits if you’re diagnosed with a serious illness or injury, providing potentially hundreds of thousands of dollars when you need it most.
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*https://www.cnn.com/2019/09/09/health/medical-fundraising-unmet-goals-trnd
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What is Level Term Life Insurance?Level term life insurance provides coverage for a set period, usually 10, 20, or 30 years, with a fixed death benefit and premium. It’s often chosen to ensure financial protection during key times, like when raising children or paying off a mortgage.
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How Does Level Term Life Insurance Work?Level-term life insurance provides coverage for a set period with fixed premiums and a death benefit. If the insured passes away during the term, beneficiaries receive the payout. If the term ends, no benefit is paid. It's popular for its predictable costs and customizable coverage.
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The Benefits of Level Term Life InsuranceLevel term life insurance offers fixed coverage for 10, 20, or 30 years, providing financial protection during key times like raising children or paying a mortgage.
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Factors To Consider When Choosing Level-Term Life InsuranceWhen choosing level-term life insurance, consider your financial situation, coverage needs, and the term length. Review policy details, compare quotes, and ensure they align with your long-term goals. This helps you make an informed decision
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Is Level Term Life Insurance Right For You?Level term life insurance offers fixed premiums and coverage for 10, 20, or 30 years, making it a good option for those with dependents or financial obligations. It can replace income, pay debts, cover funeral costs, and provide financial security. However, if your needs are short-term or you have no dependents, other options might be better. Consider your budget, as premiums rise with age. Consult a financial advisor to determine if it suits your situation and goals.
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Do More With Your Life Insurance Policy!
Real People. Real Stories.
Watch the real life stories and testimonials from our REAL Living Benefits clients. The clients and families in this Living Benefits testimonial video alone received a combined $1,300,000 of Living Benefits money when they needed it most. Living benefits have been around for over 30 years, yet most people still don't know about them.
It's a no-brainer. They cost the same as the "old kind" of life insurance, but Living Benefits do so much more!
Available term life policy riders & options
Customize your term life insurance policy to your specific needs.
Allows you to request a portion of your death benefit early if diagnosed with a permanent chronic illness.
Allows you to request a portion of your death benefit early if diagnosed with a critical illness, such as a heart attack or cancer.
If you become disabled, this rider credits a monthly premium to your policy after a six-month elimination period.
Allows you to request a portion of your death benefit early if diagnosed with a terminal illness.