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Term life insurance is life insurance which provides coverage at a fixed premium for a limited period of time. After that period expires coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or obtain further coverage with higher payments and/or conditions. If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase life insurance over a specific period of time.
You can purchase term insurance with a guaranteed premiums for 5, 10, 15, 20, 25, and 30 years. Not every company offers all of the term lengths listed.
When purchasing term insurance you should also consider the conversion options that the policy provides. This option allows you to convert your term policy to a permanent policy without proof of insurability.
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