Why Do I Need Term Life Insurance?
If you were no longer here to contribute financially, how would your family pay for necessities? That's where term life insurance can help. For about the same cost as your monthly digital streaming service, you can help protect your family's financial future.
Term life insurance may be appropriate if you want coverage during a temporary or short-term situation such as while you're paying your mortgage or while your kids are in school and financially depending on you. And if the unthinkable happened, your beneficiaries would receive a death benefit as long as premiums were paid during your contract term.
Term life insurance is generally the most affordable way to get the life insurance coverage you need. You can buy a contract and lock in a premium rate for a period of 10, 15, 20 or 30 years.
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Generally, term life insurance is:
Simple death benefit coverage to provide for your family in the event they'd need it.
Coverage that goes with you anywhere, regardless of employment.
Potential cash value and future flexibility to meet changing needs.1
$11/month premium based on case assumption for 30-year-old non-tobacco-using male for a 10-year term period of $250,000 in coverage
Term life insurance contacts have exclusions, limitations, reductions of benefits and terms under which the contract may be continued in force or discontinued. For costs and complete details of coverage, contact your licensed insurance agent/producer.
Guarantees based on the financial strength and claims paying ability of the issuer.
If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance may be solicited.
1 A conversion feature may allow you to convert to a permanent plan of protection.
CloseWhat Qualifies for Non-tobacco Rates
Tobacco is defined as use of any tobacco or nicotine product (such as cigarette, cigar, pipe, chewing tobacco, electronic cigarette, nicotine gum/patch, etc).
If you have not used a tobacco or nicotine product within:
- 12 months, you may qualify for standard non-tobacco rates if you qualify for standard rates after underwriting is complete.
- 24 months, you may qualify for preferred non-tobacco rates if you qualify for preferred rates after underwriting is complete.
- 36 months, you may qualify for super-preferred nontobacco rates if you qualify for super-preferred rates after underwriting is complete.