Term Life Insurance

Did you know that about 41% of the US population does not have any life insurance at all?

Are you doing everything you can financially to protect those you love the most?

The whole purpose of life insurance is to help guide you in financially protecting and ensure that those who depend on you will still be able to maintain their standards of living if something were to happen to you. Regardless of your stage in life, a life insurance policy could turn out to be one of the most valuable decisions you ever make financially.

One of most common types of life insurance is term life insurance. Each life insurance policy is different and it is important to know how each policy works and what it can provide to you and your family.

Term life insurance…

  • Guarantees coverage for a set period of time or a specified age, as long as premiums are paid
  • This type of policy is ideal for those with short term life insurance needs
  • Does not accumulate cash value during the policy
  • Term life insurance is usually the most affordable type of coverage because of the short term period of coverage

Once the time period has expired or you live past the specified age, term policies are usually renewable, although the premiums are more than likely to increase. Generally, you can purchase a higher death benefit with your premium dollars for term insurance than you would be able to with permanent insurance. Again, term insurance provides a guaranteed death benefit if you happen to die within a defined period of time or a specified age.

Call us with any questions about Insurance or schedule an appointment. Let LF Insurance help you secure your future with the right Insurance policy. 303.422.2018

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