Coverage Option
Straightforward protection for the years your family depends on it most.
Term life insurance provides a death benefit for a set number of years — commonly 10, 15, 20, or 30. If the insured passes away while the policy is in force, the beneficiaries receive the benefit. Because the coverage is temporary, term is often the most affordable way to cover a large need for a defined period.
There is no pressure here, and no obligation. But it is worth knowing that in life insurance, age and health matter: rates are based on how old you are and how you are doing today. Reviewing your options while you are feeling well generally keeps more choices open to you.
A few short questions, including a brief health questionnaire, so Justin knows which carriers to look at first.
Term options that may return premiums paid if the policy is still in force at the end of the term, subject to policy terms.
Lifelong coverage with level premiums and cash value that builds over time.
Smaller policies designed to help cover funeral costs and other final expenses.
Coverage intended to help replace lost household income for the people who depend on it.