Out of all the life insurance options, Term Life insurance is the most economical and straightforward.

Term Life gives protection for a definite period of years.

Term Life is intended for people who would need protection if the provider of income passes away. This kind of insurance can cover essential needs that happen in a precise period of time like mortgage payments, debts and children’s education for example.

term life insurance

Not only is Term Life a very affordable option, it’s also incredibly convenient and flexible. The premium payments can be planned monthly, quarterly or annually.

Depending on age and other factors, the policies usually are for 10, 15, 20, 25, or 30 year terms. In addition, the premium on the policy continues the same all through the end of the policy. Once the term is over, the policy is not in force anymore.

There are options where the insured can convert his term policy to another plan, meaning the insured can opt to prolong the life of the policy without the need for a medical test (depending on the case).

In some cases, Term Life Insurance can be postponed for a longer period of time with an increase in premiums.
There are also other options where the insured can recover the premium paid at the end of the term of the policy.
Every person is different.

Do you have more questions about Term Life insurance? Contact me for a free solution designed for you and your specific needs.

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As the Coronavirus (Covid-19) health situation continues to evolve, I would like to reassure you that I am here to help and you can contact me if you have any questions regarding your policy.

There have been temporary changes in the Life Insurance business. Right now in many cases you can submit non-med and online applications for your comfort and safety. As well as 60-day grace periods in case your finances have been impacted by the crisis and you wish to stop premium payments for a while.

Call me now, together we can discuss your needs and find a custom made solution today.
(714)729-3616 office or (305)450-8700 mobile.