As an independent agent I am not limited to any single insurance company. I represent numerous top-rated companies that offer a wide range of insurance policies and coverage. I shop the competitive markets to find the best values for your insurance needs. More importantly, since we provide all types of insurance.
I have been, and will continue to be, committed to providing the highest level of service and attention to my clients. My knowledgeable experience is built on integrity and customer service.
Term life insurance provides coverage for a certain time period. It’s often called “pure life insurance” because it’s designed only to protect your dependents in case you die prematurely. If you have a term policy and die within the term, your beneficiaries receive the payout. The policy has no other value.
You choose the term when you buy the policy. Common terms are 10, 20 or 30 years. With most policies, the payout, called the death benefit, and the cost, or premium, stay the same throughout the term. Once the term is up the policy is either cancelled, or the premiums increase drastically.
When you shop for term life:
Choose a term that coincides with the years you’ll be paying the bills and want life insurance coverage in case you die early.
Buy an amount your family would need if you were no longer there to provide for them. The payout could replace your income and help your family pay for services you perform now, such as child care.
Ideally, your family’s need for life insurance will end around the time the term expires: Your kids will be on their own, you’ll have paid off your house, and you’ll have plenty of money in savings to serve as a financial safety net.
Your home may be one of the biggest investments you’ll ever make, and your family probably depends on your income to help make the mortgage payments. So in the event of your death, your loved ones might struggle to keep the home. You can help prevent that from happening.