Whatever happens, your kids are taken care of.
Term life insurance gives your family a financial safety net for the years they depend on you most, at a price that fits a busy family budget.
Rather pick a time? Book a call with me or text me.
What the money would do for your family
If the worst happens, a term policy pays your family a lump sum. They decide how to use it. Most families use it for four things.
Keep the house
The payout can pay off the mortgage or keep up the payments, so your kids grow up in the home they know.
Replace your paycheck
Your family keeps paying for groceries, bills and car payments, even without your income.
Cover childcare and daily life
If one parent is gone, the other may need help with childcare, rides and the hundred things you both handle now.
Fund their future
Set money aside for college, a first car or a wedding, so the plans you made for them still happen.
Coverage for the years they need you most
Term life lasts a set number of years, often 10 to 30. You pick a length that covers the years your family relies on your income, like until the kids are grown and the house is mostly paid off.
Example only. We'll match your term length to your own family's timeline.
Coverage you can use while you're living
Many of today's policies don't just pay out if you pass away. They can help you through a serious illness or injury, and some build cash value you can borrow against for life's big moments.
Living benefits
If you're diagnosed with a qualifying illness or injury, you may be able to access part of your death benefit early, while you're still here to use it for treatment, bills or time off work. Many policies include these at no extra premium.
- Critical illnessA serious diagnosis like a heart attack, stroke or cancer
- Chronic illnessWhen you can no longer handle everyday activities like bathing or dressing on your own
- Terminal illnessA diagnosis with a limited life expectancy
- Critical injuryA severe injury like paralysis, major burns or a traumatic brain injury
Cash value you can borrow against
Whole life and indexed universal life policies build cash value over time. You can borrow against it with no credit check and flexible repayment, and use the money however you need.
- EducationCollege or trade school for your kids, or going back to school yourself
- Real estateA down payment on a home or an investment property
- The unexpectedMedical bills, a car repair, a job change or anything else life throws at you
Living benefits are provided through accelerated death benefit riders. Many policies include them automatically at no extra premium; others offer them as an option. Availability, qualifying conditions and amounts vary by carrier, policy and state, and any benefit paid early reduces the death benefit and may be subject to a fee or discount when used. Policy loans accrue interest; unpaid loans and interest reduce the cash value and death benefit and may cause the policy to lapse. Loans and early benefits may have tax consequences, so talk with a tax advisor about your situation.
Questions parents ask
Is term life worth it if I'm young and healthy?
Being young and healthy is exactly when it costs the least. You lock in your rate for the whole term, so it doesn't go up as you get older.
What happens when the term ends?
Coverage stops, and so do the payments. By then, the goal is that your kids are grown and your debts are smaller. Many term policies also let you convert to permanent coverage without a new medical exam.
Isn't the life insurance through my job enough?
Work coverage usually ends if you leave the job, and it's often only one or two times your salary. For most families with kids and a mortgage, that leaves a gap.
Can I use my policy while I'm still alive?
Often, yes. Many policies include living benefits that let you access part of your coverage early if you face a qualifying critical, chronic or terminal illness or a critical injury. Permanent policies can also build cash value you can borrow against. We'll show you which plans include these features.
How long does it take to get covered?
Many applications are approved within days, and some don't require a medical exam. We'll tell you what to expect on our call.
See what it costs to protect your family
Get a free quote, book a call, or reach me at (919) 213-8907. No pressure, and no obligation.