Why You Should Consider Term Life Insurance


In most cases, Term Life Insurance will provide the highest coverage amount for the lowest premium dollars over a specific period of time, like 10, 20, or 30 years. The life insurance will provide your loved ones with the money they need to cover expenses like the mortgage, medical bills, and more. You may want to have Term Life Insurance if any of the following applies to you:

  • Your income helps support your loved ones.
  • Your absence would cause additional expenses to your loved ones, such as child care.
  • You’re paying off a large loan (for example, a mortgage or a private student loan), and would like your loved ones to be able to pay it off if you died.
  • You own a small business and have business debts that would impact someone else if you died.


Accelerated Death Benefit

The Accelerated Death Benefit provides for the company to pay a portion of the death benefit to the insured if her or she is diagnosed with a terminal illness that is likely to cause death within two years.

Additional Insured Rider

This rider allows the insured to add an additional insured, such as a spouse to the policy with a maximum limit of the insured’s death benefit.

Accidental Death Benefit

This rider provides for the insurer to pay a multiple of the death benefit (usually double) if the insured dies as a result of an accident.

Children's Term Rider

The Children’s Term Rider allows the policyholder to insure all children and future children born or adopted to the policy for a time period designated by the insurer.

Waiver of Premium Rider

Waiver of Premium provides for the insurer to waive periodic premiums if the insured becomes disabled and is unable to work.

Return of Premium

The Return of Premium rider provides for the insurer to refund all premiums paid to the company if the insured outlives the term of the policy.


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