Your Family's Protection
Term Life Insurance
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Term Life Products
We are an independent insurance agency for Life, Health & Accident insurance.
This means we find the best insurance policy for you,
we are not stuck with one insurance company.
Our Quote Tool has 50+ insurance companies with the greatest options in the industry.
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Here is the List of Insurance Companies we work with to help
You Secure Your Business & Family's Future.
What is Term Life Insurance?
It is a life insurance policy that provides a death benefit (generally tax-free payment) to your beneficiaries in the event of your death during the policy term.
What are the key reasons to buy term life insurance?
Protection
If your income plays an integral role in the lives of others, like children, your spouse, or your elderly parents, then life insurance is one form of planned protection for your dependent's future in the event of your passing.
Lowest Cost
Term life insurance is often found to be the lowest cost solution for protecting a family's future when compared to permanent life insurance. Available on our quote tool is a calculator that helps determine how much you should buy.
Quality of Life
The passing of a parent or spouse is a tragic event. Only made worse if financial plans were not made to assist your family with the mortgage, education, and daily expenses.
Tax Planning
If your estate is expected to incur taxes for your heirs, term life insurance could be a solution to help them pay the inheritance taxes associated with your estate. Contact your tax advisor or CPA for professional advice.
Inheritance
Providing an inheritance, funded by life insurance, is one way to provide for your children and spouse's a better future. Whether it is college, a wedding, or a down-payment on their first house; life insurance is a great option.
What are the top benefits when you buy life insurance?
Tax-Free Advantage
The death benefits will be paid tax-free to beneficiaries.
Your beneficiaries will have a solution on how to pay the mortgage, education, and daily expenses.
Planned Protection
Planning for your family's future is critical to securing the best future for them.
You have the advantage today on how they can succeed after your passing.
Lowest Cost
Life Insurance has the lowest costs available for securing your family's future.
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Monthly, Quarterly or Annual plans are available.
When should I consider Term Life Insurance?
Here are some reasons why a term life insurance policy could be a solution for your family:
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Does your family rely on your income?
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Do you have children?
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Do you have a mortgage?
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Do you have elderly parents?
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Was your household a two-income household?
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The cost of your children's education
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Did your parents co-sign your student loans?
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Is the cost of your funeral paid?
How does a Term Life Insurance Policy work?
Your Responsibility
Once you are approved, you pay a monthly, quarterly, or annual premium to the Insurance Company to keep your policy in force.
Insurer Responsibility
Upon receipt of the premium per the terms of the contract, the insurance company maintains the policy in force.
Contractual Result
Provided the contract terms were met, the beneficiaries will receive a death benefit (face amount of contract) upon the death of the insured.
How much does Term Life Insurance cost?
Getting Started
A life insurance quote is your first step. Every life insurance company follows their own underwriting procedures. Rest assured, every insurer will evaluate your own unique circumstance to develop your quote.
Exclusively for You
Even though there are some generalities and guidelines within underwriting; every life insurance quote is exclusively created for you. Which means that every policy is unique and the policy protections are offered to everyone.
Female Example
Our female candidate is requesting a 20-year term life policy. Her details:
5'-6" tall, 130 pounds, Super Preferred Rating, Non-Smoker, 41 years old
$1,000,000 | 20-Year Term Her quote: $41.00/month
Male Example
Our male candidate is requesting a 20-year term life policy. His details:
5'-9" tall, 160 pounds, Super Preferred Rating, Non-Smoker, 41 years old
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$1,000,000 | 20-Year Term His quote: $50.00/month
What do I need to do to start a policy?
What are my Next Steps?
Insure Your Success agents can assist you in developing the best plan for your unique circumstance. You can schedule a Discovery Call or Zoom with an Agent below to get started, or if you wish you can use our Online Quote Tool too.
Our agents work remotely due to Covid restrictions
If you choose to use our Online Quote tool?
Here are the typical milestones in the process. Remember an Insure Your Success Insurance Agent is only a phone or Zoom Call away.
1. Start with the online Quote - no contact info required
3. Upon receiving your quote, select the "Apply in Minutes" green button to begin the application.
4. After selecting Apply, you will need to input your Personal Information. This includes Social Security Number, License, Job Information, Financial Information, and Beneficiaries.
2. The Quote Tool Guide is available for your use..
5. Next, you will schedule your Medical Exam if necessary.
6. With your signature, you are done.