Why Life Insurance?

Your Path to Protecting What Matters

Protection on your Terms.

Our Term Life Insurance provides affordable coverage designed to protect your family's financial security for a defined period. Let's explore how you can secure your family's well-being.

Less than $1 a Day: That could be all it takes to ensure your family's financial security in case of the unexpected.

Coverage that Adapts to your life

Term life insurance generally offers lower premiums compared to permanent life insurance options. This makes it an attractive choice for those looking to secure coverage without straining their budget. 

It is also very commonly the stepping stone for those seeking coverage on a budget for most of these policies can be converted to whole life insurance in the later years of the policy.

The Right Time for Term Life 

Getting Started

Less than $1 a Day: That's all it takes to ensure your family's financial security in case of the unexpected.

Your Choice, Your Goals

Choosing between term life and whole life insurance depends on your needs.

While term life covers you for a specific time, whole life insurance provides lifelong coverage with additional benefits. It builds cash value (tax-deferred) over time, usable for various purposes.

Plus, it can earn dividends (while not guaranteed, we've paid them annually since 1872) to use as cash, premium payment, or more coverage. Explore all our life insurance options.

Term Coverage & Workplace Plans

While employer-offered life insurance is beneficial, it might not provide the coverage you truly need.

Typically, you require around 10 times your annual salary, but most employers offer only one to two times.

Additionally, such coverage isn't portable—changing jobs means losing it. Affordability matters; coverage costs less when you're younger. Calculate the coverage you need with us. 

Financial Protection

 In the event of the policyholder's death within the term, the beneficiaries receive a death benefit payout. This financial protection helps loved ones maintain their quality of life and meet financial obligations.

Conversion Options

 Many term life policies offer the option to convert to permanent life insurance without the need for a medical exam. This can be beneficial if your circumstances change and you decide you need lifelong coverage.

Peace of Mind

Knowing that your loved ones are protected financially if something were to happen to you provides a profound sense of peace and security.

No Medical Exam Options

Some term life policies offer simplified underwriting or no medical exam requirements, making it easier and faster to obtain coverage.

Customizable Riders and Features

You can enhance your term life policy with optional riders, such as critical illness coverage or disability riders, which provide additional protection in specific situations.