TERM LIFE INSURANCE

Term insurance provides protection for a specific period of time and pays a benefit only if you die during the “term.” Term periods typically range from one year to 30 years, with 20 years being the most common term.

TERM LIFE INSURANCE

Life Insurance is used simply to help support the people who depend on you.

Term insurance is often a good choice for people in their family-formation years, especially if they’re on a tight budget, because it allows them to buy high levels of coverage when the need for protection is often greatest. Term insurance is also a good option for covering needs that will disappear in time.

Term Life Insurance key policy provisions you want to understand:

One exception to this rule is what’s called a return-of-premium term policy. With these policies, if you keep the policy in force for the entire term, say 20 years, the insurance company will refund the premium payments you made over that 20-year period. Of course, there is a price to be paid for this added benefit. The premiums for return-of-premium policies are considerably higher than premiums for standard term policies. The price difference can be 20%, 30% or more. Another factor to consider is that term insurance rates have dropped considerably over the past decade, mostly because people are living longer. If you own a standard term policy, there’s really no harm done in dropping that policy in favor of a newer and cheaper term policy. But if you own a return-of-premium policy, dropping the policy before the full term has expired means that you will have paid a high price for your term insurance coverage and the premiums you paid won’t be fully refunded. At best, you’ll get a partial refund of the money you put into your policy to that point.
Allows a terminally ill person to collect a significant portion of his or her policy’s death benefit while that person is still alive
Disability waiver of premium, waives premiums when a policy owner suffers a long-term disability, typically one lasting six months or longer
Accidental death benefits – doubles or triples the benefit in the case of death by accidental means.
This valuable feature allows you to convert your term policy to a permanent policy (e.g., whole life insurance) without submitting evidence of insurability. Being able to convert to a permanent policy is a great option to have in the event that circumstances in your life change such as failing health or maybe just the realization that coverage is needed for a longer period of time than you originally anticipated
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Life Insurance Your Way

TERM LIFE INSURANCE.

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UNIVERSAL LIFE INSURANCE.

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WHOLE LIFE INSURANCE.

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