TERM LIFE INSURANCE


You have a growing family — and the financial obligations that come with it. Let’s say you have a house with a 30-year mortgage, a 48-month auto loan and a college fund you’ll start using in 10 years. In a circumstance like this, a term policy might be an economical way to carry a large amount of life insurance.

Term life insurance offers level premiums for a specific period of time — generally 10, 20, 25 or 30 years. The initial level premium tends to be lower than comparable permanent coverage. And proceeds may help your family financially if the unexpected happens when they still have major expenses.

Generally, the shorter the term, the less expensive term coverage can be. While premiums remain level for the term period, they will rise if you decide to continue the coverage beyond the level premium period.

As a Life Insurance Field Underwriter,  Scott Smith specializes in helping people obtain Term Life getting coverage from $100,000 to $10,000,000. Get up $1,000,000 with no exam and many pre-existing health conditions are approved!