Term Insurance
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Term Insurance

Term Life Insurance can be most easily understood as a life insurance policy that is only valid for a set number of years. For some, it is a great way to protect a family against financial ruin if the primary breadwinner of the family passes, leaving an income gap. When the pre-set term ends, an additional term can be added at a higher premium, lengthening the coverage period.

 Key Points of Term Insurance

  • A very affordable option of protection
  • Often used to cover specific costs, such as children's education or mortgage
  • Premiums may increase during the length of the term, so pay close attention to the contract before signing
  • Lower coverage amounts and terms may not require a health exam for approval