Term Life Insurance is the least expensive form of life insurance available. It provides 100% protection in the event of your death with no investment features to drive up the cost. It is called term because it protects your beneficiary(s) during a fixed number of years, typically the years you need life insurance the most.

Individuals who currently do not have any type of life insurance, and are looking for affordable protection for themselves and their loved ones. Also, individuals who want to supplement their existing life insurance protection policies. Term life insurance assists with providing emotional and financial security when you need it most.

Your rates will vary, depending on your age, sex and smoker/non-smoker status.

Applicants are notified of their application status within 45 days of receipt of all complete information.

The initial annual premiums are guaranteed for the initial term period. At the end of the initial term period, this policy becomes an annual renewable term policy. Coverage will continue as long as the premiums are paid. Premiums for the annual renewable term will be at the insured’s attained age on each policy anniversary. All coverage expires at age 95.