Term Life Insurance

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Why term?

  • The most coverage per dollar of any life insurance
  • Your price is locked in for the full term: 10, 15, 20, 25 or 30 years
  • Many carriers offer no-exam approval for healthy applicants
  • Many policies can be converted to permanent coverage later without new health questions
How much coverage do I need?

A common starting point is 10-12 times your yearly income, plus your mortgage and other debts. We'll help you get the number right.

What happens when the term ends?

Coverage ends, or you can renew at a higher price. Many policies let you convert to permanent coverage before the term ends.

Do I need a medical exam?

Often not. Many carriers approve healthy applicants using health records and a phone interview.

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