Fixed term
Coverage for 10, 20, or 30 years at a locked premium.
Term Insurance
Right-sized coverage for defined obligations.
Term insurance provides a large amount of protection at a very low cost — ideal for mortgages, business loans, and the years while your family or business is most dependent on your income.
Big protection where you need it most.
Term insurance is pure protection: a large tax-free death benefit for a fixed period — usually 10, 20, or 30 years — in exchange for a relatively small premium.
It is the right tool for temporary but critical obligations: a mortgage that will be paid off in 20 years, a business loan personally guaranteed, or children who still need years of support.
We often layer term with permanent coverage so you have the right amount of protection today without overpaying, and you can convert to permanent later without new medical underwriting.
What's inside
The details that matter.
Mortgage protection
Independent coverage that isn't tied to the lender.
Business debt
Protect personal guarantees on corporate borrowing.
Family income
Replace years of income while children are dependent.
Convertible
Move to permanent later without new medical underwriting.
Layered strategy
Combine with permanent coverage for a complete plan.
Talk it through
See how this fits your plan.
Book a private strategy call and we'll walk through how this service works inside a plan built for you.