Term life insurance is the least expensive form of life insurance coverage. The first and most important step in the life insurance planning process is to quantify the amount of coverage that you need to protect your family. We can help you with that process.
Once you have quantified your total life insurance need, the next step is to determine how to best insure your surviving family's security and lifestyle: what combination of coverage? Permanent (cash value) or term life insurance coverage? Perhaps a combination of the two? Again, we can help to educate you about your life insurance options and help you to decide on the best course of action.
Typically, the role of term insurance is just that: to insure a financial liability against the probability of a premature death for a specific term. Large, short-term financial liabilities are typically best insured using term life insurance. Some examples of large, short-term financial liabilities are mortgages, survivors' income for young dependents, insuring the cost of post-secondary education for your children, business loans, etc.
Please feel free to request a No Obligation Term Life Insurance Quote Comparison.
Fixed insurance products and services offered through CES Insurance Agency.