Traditional term life insurance provides coverage for a specific period of time, and is therefore temporary. A typical policy term 5, 10, 15, 20, 25 and even 30 years. The premium is usually guaranteed to stay level during that term period. 

In the past 20 years this has been the most popular form of insurance.

Term life policies are usually renewable at the option of the policy holder until the insured reaches age 95. However, premium charges will usually increase each year after the end of the initial guaranteed term period.

Key Benefits

• Lowest Cost Insurance Available

• Simple to Understand

*Sample Rates

30 year old Male in perfect health, $100,000 Death Benefit (Female rates are slightly lower)

    10 year    $9.17/mo.    

    15 year    $10.12/mo.

    20 year    $10.90/mo.

    25 year    $12.37/mo.

    30 year    $13.75/mo.

Same individual at $500,000 Death Benefit

    10 year    $22.92/mo.    

    15 year    $26.82/mo.

    20 year    $30.28/mo.

    25 year    $37.63/mo.

    30 year    $44.55/mo.

*rates above are illustrative and are subject to change

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