TERM LIFE
The simplest and most affordable life insurance. It provides coverage for a specific length of time, from 10 to 30 years.
Key Features:
Low Cost: The most budget-friendly way to get a large amount of coverage.
Set Term: Coverage lasts for the exact period you choose.
Fixed Premiums: Locked in and never increases throughout the term.
Pure Protection: Designed solely to provide a death benefit — it doesn’t build cash value like whole life insurance. (additional benefits may be available)
If you pass away during that period, your beneficiaries receive the death benefit (a lump-sum payout).
TERM LIFE
The simplest and most affordable life insurance. It provides coverage for a specific length of time, from 10 to 30 years.
Key Features:
Low Cost: The most budget-friendly way to get a large amount of coverage.
Set Term: Coverage lasts for the exact period you choose.
Fixed Premiums: Locked in and never increases throughout the term.
Pure Protection: Designed solely to provide a death benefit — it doesn’t build cash value like whole life insurance. (additional benefits may be available)
If you pass away during that period, your beneficiaries receive the death benefit (a lump-sum payout).
Who Should Consider Term Life?
Term life is best for individuals or families who want to replace lost income if something unexpected happens. It helps ensure your loved ones can maintain their lifestyle, cover everyday expenses, and meet financial obligations like bills, childcare, or tuition.
Provide a financial safety net during your working years, giving peace of mind that your family won’t have to make difficult sacrifices if you’re no longer there to provide.
Enhance Your Policy With Additional Benefits
Your Coverage can do more than just provide a death benefit. You can add optional features like Return of Premium (ROP), which refunds your premiums if you outlive the policy; Conversion Options, allowing you to switch to permanent coverage without additional medical exams; and Living Benefits, giving access to funds if you face a critical, chronic, or terminal illness.
These enhancements make your policy more flexible and provide extra financial security for you and your loved ones.
Calculating The Right Coverage
Choosing the right term life policy is all about matching coverage to your family’s needs. Think about replacing income, paying off debts, and covering future expenses like college or childcare.
A simple rule of thumb is to cover 10–12× your annual income, or enough to handle temporary obligations like a mortgage or business loan. By calculating your needs this way, you can secure protection that’s affordable, effective, and tailored to your family’s future.
Who Should Consider Term Life?
Term life is best for individuals or families who want to replace lost income if something unexpected happens. It helps ensure your loved ones can maintain their lifestyle, cover everyday expenses, and meet financial obligations like bills, childcare, or tuition.
Provide a financial safety net during your working years, giving peace of mind that your family won’t have to make difficult sacrifices if you’re no longer there to provide.
Enhance Your Policy With Additional Benefits
Your coverage can do more than just provide a death benefit. You can add optional features like Return of Premium (ROP), which refunds your premiums if you outlive the policy; Conversion Options, allowing you to switch to permanent coverage without additional medical exams; and Living Benefits, giving access to funds if you face a critical, chronic, or terminal illness.
These enhancements make your policy more flexible and provide extra financial security for you and your loved ones.
Calculating The Right Coverage
Choosing the right term life policy is all about matching coverage to your family’s needs. Think about replacing income, paying off debts, and covering future expenses like college or childcare.
A simple rule of thumb is to cover 10–12× your annual income, or enough to handle temporary obligations like a mortgage or business loan. By calculating your needs this way, you can secure protection that’s affordable, effective, and tailored to your family’s future.
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820 67th Ave N 6992
South Carolina, United States