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Life Insurance - Term Coverage

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Tommy Groover

Long Term Care & Life Insurance Professional Agent

Life Insurance - Term Coverage



This is the simplest form of life insurance. In fact, these provide protection for a specified period. In fact, it provides protection for a specified period and doesn’t accumulate a cash value.


Also, the premiums are fixed over the life of the cover. Hence, term insurance cover only provides against death. So the policy will pay if death occurs during the term of the policy. The term ranges from 1 to 30 years.


There are 2 types of term life insurance covers. These are level term and decreasing term. 


Further, in level term the death benefit is the same duration of the policy. In decreasing term insurance, the death benefit drops over the duration of the policy.



  • Yearly Renewal Term Insurance

  • 5 Year Renewal Term Insurance

  • 10 Year Renewal Term Insurance

  • 15 Year Renewal Term Insurance

  • 20 Year Renewal Term Insurance

  • 30 Year Renewal Term Insurance


Key benefits of life insurance

  • Financial security for your loved ones: Life insurance provides a death benefit that can help your loved ones cover expenses such as funeral costs, outstanding debts, and ongoing living expenses.


  • Estate planning: Life insurance can be a valuable tool in estate planning, helping you ensure that your assets are distributed according to your wishes.


  • Tax advantages: Depending on the type of life insurance product you choose, there may be tax advantages that can help you save money.


What is the legacy you want to leave behind?  To learn more, give us a call and request this FREE National Association Insurance Commissioner's Consumer Guide today.  You'll be glad you did. 

Life Insurance - Term Coverage

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Tommy Groover

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