Term Life Insurance
The Smart Starting Point
The most affordable way to protect your family. You choose the term — 10, 20, or 30 years — and your loved ones are fully covered for that entire period. A $500K policy for a healthy 35-year-old can cost as little as $20/month.
What Term Life Covers
If you die during the policy term, your beneficiary receives the full death benefit — tax-free — to use however they need. Most people use it to cover lost income, pay off the mortgage, fund education, and eliminate debt.
- Income replacement for your family
- Mortgage payoff so they keep the house
- Children's education funding
- Outstanding debt elimination
- Final expenses and burial costs
- Business loan or key-person coverage
Sample Monthly Rates
Healthy non-smoker. Rates vary by health, age, and carrier.
Terry shops 20+ carriers to find your lowest rate.
Who It's Right For
Term life fits most situations. Here are the most common profiles Terry works with.
New Parent
Age: 28–35
Coverage: $500K–$1M
Term: 20–30 years
Replace 20+ years of income. Cover childcare, education, mortgage.
Homeowner
Age: 30–45
Coverage: $300K–$600K
Term: 15–20 years
Pay off the mortgage so your family can stay in their home.
Business Owner
Age: 35–55
Coverage: $500K–$2M
Term: 10–20 years
Key-person coverage. Buy-sell agreement funding.
Dual Income Couple
Age: 28–40
Coverage: $250K–$500K each
Term: 20 years
Replace one income while the other stabilizes. Cover shared debts.
Common Questions
How long should my term be?
Match the term to your largest financial obligation. If you have a 30-year mortgage and young kids, a 30-year term makes sense. If your kids will be grown in 15 years and the mortgage is nearly paid off, a 15 or 20-year term may be sufficient.
What happens when the term ends?
The coverage expires. You can renew (at a much higher rate based on your age), convert to a permanent policy (if your policy has this option), or simply go without if you no longer need coverage.
Can I get coverage if I have health issues?
Often yes — there are carriers who specialize in higher-risk applicants. Terry will find the right fit for your situation rather than telling you it's not possible.
Is employer life insurance enough?
Almost never. Group life through an employer is typically 1–2x salary and disappears the day you leave. A personal policy is portable and sized to your actual needs.
Explore More
Other Life Insurance Options
Term is the most popular — but it's not the only option. Terry will help you find what actually fits.
Protect Your Family.
Let's Find Your Coverage.
Life insurance and employee benefits. No pressure, no commitment. Just real guidance from two people who pick up the phone and tell you the truth.
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