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Key Endorsements for Term Life Insurance

Our life insurance policies come with various endorsements to enhance your coverage:

How Endorsements Can Benefit You

Accidental Death Benefit Example

If a policyholder with this endorsement dies in a car accident, their beneficiaries receive an additional amount, ensuring extra financial security.

Critical Illness Benefit in Action

A policyholder diagnosed with a covered critical illness, like cancer, can receive immediate financial assistance to help with treatment costs or other expenses.

Utilizing Living Benefits

If diagnosed with a terminal illness, a policyholder can use part of their death benefit to cover medical expenses, provide for family needs, or even fulfill a personal dream.

Get the right term life insurance coverage for you and your family

Contact us for a personalized quote and safeguard your loved ones’ future today!

Frequently Asked Questions
About Term Life Insurance

It’s a type of life insurance that provides coverage for a set period or term, typically ranging from 10 to 30 years.

Unlike whole life insurance, term life does not accumulate cash value and only provides coverage for a specified term.

At the end of the term, coverage ceases unless renewed or converted to a whole life policy.

Many policies offer the option to renew at the end of the term, often at a higher premium.

This depends on the policy; some require a medical exam, while others offer simplified or guaranteed issue policies.

Premiums vary based on factors like age, health, term length, and the amount of coverage.

Consider factors like age, dependents’ needs, debts, and financial goals.

Many term policies offer a conversion option, allowing you to switch to permanent coverage.

Generally, death benefits from term life insurance are not subject to income tax.

Yes, but it may affect the cost and availability of coverage.