Term Insurance

Return of Premium

One of the biggest complaints about term insurance is that “if nothing happens, I get nothing back.” Return-of-premium solves that. These plans refund 100% of your premiums at the end of the term if you stay alive and healthy. It’s basically a forced-savings version of term — you get the protection you need, and you get all your money back later. It’s ideal for people who like the security of term but don’t want to “waste” money if they outlive the policy.

Modern term policies often include living benefits, which allow you to access your death benefit early if you’re diagnosed with cancer, heart attack, stroke, chronic illness, or other major conditions. Instead of leaving your family scrambling during a crisis, you can take cash while you’re still alive to replace income, cover treatment, or keep your household steady.

Term is usually the smartest option for people up to age 60 who want strong coverage without paying whole-life prices. It’s perfect for homeowners, parents, business owners, and anyone with financial responsibilities that would fall on someone else if they were gone. If you want maximum protection during the years your income matters most — without breaking the bank — term insurance gets the job done.

Term covers you for a set number of years. If you pass away during that period, your family gets a tax-free payout.

Your coverage expires. You can renew, convert to whole life, or if you chose Return of Premium, you get all your money back.

Yes. Term gives the highest coverage for the lowest cost. It’s usually the most affordable option for people under 60.

Living benefits let you access your policy early if you get cancer, heart attack, stroke, or another major illness.