Affordable Protection for Your Family

Term Life Insurance

We’ve simplified the process of getting term life insurance – you may not even need an exam.

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Life Insurance

What is Term Life Insurance?

Term life insurance is what we recommend for almost all of our clients who want to protect their families.

There’s nothing fancy about “level term” life insurance:

  • Pays a lump sum to your beneficiary if you die during the “term” of the policy.
  • The term is usually in increments of 10 years (20 is most common).
  • Cost is guaranteed to be the same (“level”) during the entire term of the policy.

How Much Term Life Insurance Do You Need?

The main point of term life insurance is to protect your loved ones and to provide for their needs should tragedy strike so they don’t suffer financial hardship on top of everything else. If you’ve got people who depend on your income, you need to protect them.

The most common industry recommendation is that you have a term life insurance policy amount that is equal to 8-10 times your annual income. Some people advise more if you want to pay off a mortgage or other debts.

The most common policy we sell is 20-year, $500,000 policy. But everyone’s situation and needs are unique.

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How to Buy Term Life Insurance

We’ll make the process of buying term life insurance as simple and pain-free as possible. Our process looks like this:

  • We’ll help you determine how much you need. 8-10 times your annual income is a good rule of thumb.
  • We’ll shop and compare quotes. We will run quotes with a bunch of highly-rated life insurance companies to make sure you get the best value.
  • We’ll walk you through the application itself. We utilize a streamlined web-based application that is simple and efficient.

In many cases, you won’t even need a medical exam to get coverage!

How Long Does It Take to Get Term Life Insurance?

The length of time to get a policy in force depends on several details, most of which relate to underwriting. If you are healthy and have no history of medical problems, the process could be very quick. In some cases, underwriters may need to contact you for follow-up questions and may even need to order medical records, which can slow things down a bit.

We will guide you through each step in the process.

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Types of Life Insurance Coverage

While we believe term life insurance is what most people need, there are other situations that call for other types of life insurance policies. These include:

Final Expense Insurance

Final Expense Insurance is designed to provide expenses related to a funeral and other end-of-life expenses. It’s not fun to think about, but planning ahead can be a great blessing to your family so they won’t experience financial stress or strain related to your final arrangements.

If you’re interested in getting prices on final expense insurance, please contact us.

Key Man Life Insurance

Key Man Life Insurance is designed to protect you or your business from potential financial loss should an important employee die unexpectedly. It’s worth thinking about: Is there a member of your team whose unexpected loss would cause significant financial harm? Someone with a unique knowledge or skill set, or who owns important relationships?

If so, you can take out a life insurance policy on that person.

Buy/Sell Life Insurance for Business Partnerships

If you’re in a business partnership, you need to think through what would happen if one partner died unexpectedly. A buy/sell agreement uses a life insurance policy to provide the money needed to buy your partner’s shares of your business from his or her heirs.

Contact us to learn more

Contact us to learn more

If you’re confused by the options, or have specific questions about your particular needs and situation, we’ll be happy to talk. Get in touch below: