For Affordable Family Life Insurance to Completely Meet Your Family's Needs, Consider Term Life Insurance   Guaranteed level coverage Protection to age 85 or to a younger age of your choice Guaranteed fixed premium   View a short presentation on this plan Get all the details about level term life insurance Get a fast, no-obligation quote   Free coverage for children Guaranteed level premiums Level coverage for spouses to age 50 for non-tobacco users Convertible to longer coverage periods without a physical View a short presentation on this plan Get all the details about family life insurance Get a fast, no-obligation quote Guaranteed level premiums Level coverage to age 50 for non-tobacco users Convertible to longer term protection without a physical View a short presentation on this plan Get all the details about flex term life insurance Get a fast, no-obligation quote                      Term life insurance is the original form of life insurance and is considered to be pure insurance protection because it builds no cash value. This is in contrast to permanent life insurance such as whole life, universal life, and variable universal life. Term life insurance provides coverage for a limited period of time, the relevant term. After that period, you may drop the policy or pay annually increasing premiums to continue the coverage. If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is often the most inexpensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis. Term insurance functions similarly to most other types of insurance in that it satisfies claims against what is insured if the premiums are current and the contract has not expired, and does not expect a return of premium dollars if no claims are filed. As an example, auto insurance satisfies claims against the insured in the event of an accident and a home owner policy satisfies claims against the home if destroyed or damaged by catastrophic events. This is purely risk protection since whether or not these events will occur is uncertain. If the policy holder discontinues coverage due to sale of the insured home or car the insurance company will not refund the premium. Get a fast, no-obligation quote

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