Are you prepared for the unexpected? Our Term Life insurance offers affordable coverage, ensuring your family’s financial protection when it’s needed most.
Our Term Life Plans
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10-Year Renewable to Age 90
Coverage Period
Level premiums for 10-year term periods. At the end of each term, premiums increase with coverage remaining the same. Annual premium renewals and increases begin around age 65 depending on age when policy is purchased.
Ages
18-65
Coverage Available
Amounts ranging from $50,000-$4 million.
Additional Information
Convertibility to Whole Life insurance up to age 70, providing policyholders with the opportunity to convert seamlessly to whole life coverage without undergoing medical underwriting.
FORM HSL-CT10-2017
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20-Year Level Term
Coverage Period
Non-renewable, with option of conversion to Whole Life insurance without the need for medical underwriting while the policy is in force.
Ages
18-50
Coverage Available
Amounts ranging from $50,000-$4 million.
Additional Information
Level premium for 20 years ensures that both the benefits and premiums remain consistent over the policy's duration, offering stability and predictability for policyholders. Opportunity to convert to whole life coverage, accommodating potential changes in financial or insurance needs over time.
FORM HSL-CLT-2017
What Plan is Right for Me?
Our agents can personally help you choose the right coverage and products for your specific needs to financially protect the ones you love, help get you started on a retirement savings plan or assist you with your Medicare coverage options.
What Is Term Life?
Term Life insurance provides financial security by covering final expenses, mortgage payments, childcare, education, and other costs in the event of the policyholder’s death. It offers a high level of protection at an affordable premium.
Our term plans are flexible, designed to fit your individual needs, and many can be converted to Whole Life insurance later without requiring a medical exam, giving you the option to adjust as your circumstances change.
Choosing a Beneficiary
An important decision to consider when purchasing a life insurance policy is who will receive the cash benefit from your policy and will that person administer the assets as you intend. It is very important to choose a beneficiary because if you do not choose one, state laws can determine how your estate will be allocated.
Ownership
It is important to understand what it means to be a policy owner. This is a decision that should not be taken lightly. The owner of the life insurance policy will have exclusive rights to make changes or updates to the policy. In addition, the owner is the only person allowed to receive personal or financial information regarding the policy.
What to Consider When Buying a Term Life Plan
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Many Term Policies are convertible to Whole Life, which allows the insured to change or upgrade the policy without a medical exam.
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An advantage of purchasing a Term Policy is that it provides you with a high amount of protection at a low premium price.
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Our Term Plans offer a wide latitude of options to suit individual needs and changing circumstances.
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A Term Life Policy can provide for final expenses, mortgage protection, child care, a child’s education, and other expenses in the event of the death of the primary provider.
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Tailored for Texans: With our Term Plans, individuals looking for Texas life insurance can enjoy customizable options that cater to the unique lifestyle and financial goals of Texas residents, ensuring that your family is protected no matter what the future holds.
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