What is Term?

Term Insurance covers you for a term of one or more years. It pays a death benefit only if you die in that term. Term insurance generally offers the largest insurance protection for your premium dollar. It generally does not build up cash value.  You can renew most term insurance policies for one or more terms even if your health has changed.  

Why Term?

Not everyone needs lifetime coverage. In fact, there are many situations where short- or limited-term insurance is a better fit. Your children will eventually complete their education and become independent, your mortgage will ultimately be paid off, and you and your spouse will retire. Our carriers offer many term insurance options for just these types of limited situations.


  • Custom selection of the term (10, 15, 20, 25 or 30 years) that best fits your needs.
  • Competitively priced, affordable coverage for only the time you need it.
  • Level premium payments.
  • Ability to customize coverage with riders such as living benefits.
  • Preservation of insurability for converting to permanent insurance later.