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Term Life Insurance

Protecting Your Loved Ones For As Long As You Choose

As the most affordable type of life insurance, term insurance makes sense for people whose need for coverage will disappear at some point. If you only need coverage until your children graduate from college or while a debt is being paid then term life insurance is likely the perfect fit for you.

The Benefits of Term Life Insurance

Having the right life insurance is crucial when planning for your loved ones futures. There are a variety of benefits to term life insurance such as it being renewable, affordable and its ability to convert to a separate policy.


Policy owners have the freedom to extend coverage for an additional period of time after each term.


Term insurance is the most affordable because it only protects your beneficiaries for the number of years you choose.

Option To Convert

You may also have the option to convert the policy to a whole or universal policy.

Do You Have A Question?

Reach Out And I Will Answer All Of Your Insurance-Related Questions.

Navigating different insurance policies can be tricky. I am here to help answer any questions and find the perfect policy for you. Utilize the form to contact me and I will give you a call or email to discuss your options.

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More Information Regarding Term Life Insurance

Term life insurance, also known as pure life insurance, is the perfect option for people who only need coverage for a short amount of time. Term life policies also hold no other value other than the guaranteed death benefit, so you are only paying for what you need. If you only need coverage until your children graduate from college or until a debt is paid off, then term life insurance could be the best choice for you!

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Do The Math

Determining how much life insurance you need shouldn’t be a difficult process. Utilize the whole life insurance calculator to get an estimate of how much insurance you may need. To get started you will need to look at how much money your family may need and any resources that may be available to them upon your death. If you have any questions, please reach out to me at (208) 509-7495 and I will walk you through the process.

Frequently Asked Questions

Learn How it Works!

How do I extend my policy?

Generally, your policy will not expire until you reach the age of 95. If you are younger than 95, your policy will not expire as long as you continue paying your premiums.

How long is the term period?

You will discuss how long you would like to have the term life insurance policy with your insurance agent. Typically, a term life insurance policy lasts for 10 – 30 years.

How do I convert my policy?

You may be eligible to convert your policy to universal or whole life insurance by talking to your insurance agent before your term life insurance policy ends.

What is the underwriting process?

To be approved for a term life insurance policy you must meet specific requirements. Our process helps make sure that your premium payment is customized to you. For example, we may ask for a verification of income, a motor vehicle report and for you to complete a general physical exam.

Get Started

Give me a call today to find the right policy for you and your loved ones.

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