Term life insurance is designed to protect your income and loved ones during your highest-responsibility years. Use the quote tool to compare options quickly — then I’ll help you make sense of the best fit.
No obligation. Just clear options and honest help choosing what makes sense.
Use this secure quote tool to see term life insurance options and pricing based on your details.
Your information is kept confidential and used only to help you compare term life options.
Term life is straightforward: you choose a coverage amount and term length. If you pass away during the term, your beneficiaries receive the death benefit (income-tax free in most cases). It’s often the most affordable way to protect a family, mortgage, or business obligations.
Helps replace your income so your family can keep up with housing, bills, childcare, and everyday living expenses.
Creates a financial “payoff plan” so loved ones can keep the home and avoid being forced to sell in a difficult time.
Term can often provide a larger amount of coverage for a lower cost than permanent insurance—especially at younger ages.
A simple way to estimate coverage is to think in terms of income replacement + major obligations. Here are common factors to consider:
Young family: $500k–$1M for 20–30 years to cover income + mortgage + childcare.
New homeowner: Enough to pay off the mortgage and cover bills for a transition period.
Business owner: Coverage to protect family + business obligations, partner buyout, or key-person risk.
Age, health, tobacco use, height/weight, medications, family history, driving record, and the term length/amount selected. The quote tool helps you see realistic pricing fast.
Term life is great for maximum coverage at a lower cost during a set period. Permanent life (like whole life or IUL) can last your entire lifetime and may build cash value. Many families start with term and later add permanent coverage as their income grows or priorities change.
| Feature | Term Life | Permanent Life (Whole / IUL) |
|---|---|---|
| Duration | Set term (10/15/20/30 years) | Lifetime (as long as policy stays in force) |
| Cost | Typically lower for higher coverage | Typically higher |
| Cash Value | No | Often yes (depends on policy type/design) |
| Best For | Income protection years, mortgage, kids | Legacy planning, lifetime coverage, cash value strategies |
Educational comparison only. Policy features vary by carrier and underwriting class.
The quote tool gives you a starting point. If you’d like, I’ll help you confirm the right coverage amount and guide you through a simple next step process.
• Getting married or having a baby
• Buying a home or taking on a mortgage
• Starting or growing a business
• Changing jobs or losing employer coverage
• Paying down debt and building long-term stability
I’ll explain your options clearly, help you avoid common mistakes (too little coverage, wrong term, missing beneficiaries), and make sure the plan fits your goals—not just a quote on a screen.
Use the quote tool to explore coverage amounts and pricing, then reach out if you want help choosing the best fit.
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