Term Life Insurance
Term assurance provides life insurance coverage for a specified term. The policy does not accumulate cash value. With term the premium buys protection in the event of death and nothing else.
There are three key factors to be considered in term insurance:
• Face amount (protection or death benefit),
• Premium to be paid (cost to the insured), and
• Length of coverage (term).
See how easy it is to shop online for final expense life insurance. Get your free life insurance quotes today!
| Level of Protection: | from $50.000 to $2,000.000 + |
| Premium Payment Options: | Monthly, Quarterly, Semi-Annually, Annually |
| Policy Modification: | Online or Phone |
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Lightning Issue Term Life is a convenient and affordable way to help cover your family’s financial obligations in the event of an untimely death.
Lightning Issue Term Life provides a decreasing death benefit over the term of the policy from 10 to 30 years, based on your age at issue—much like the declining obligation on conventional mortgage or other loan.
Premium rates are fixed at the time of acceptance and never increase while the policy remains in force. You’ll always now the exact cost of your policy from the first month of coverage to the last.
| Level of Protection: | from $30.000 to $100,000 |
| Issue Ages: | 18 to 64 |
| Policy Modification: | Online or Phone |
| Payment of Benefits: | monthly, quarterly, semi-annual, annual |