Term Life Insurance

Term Life Insurance

Maximum Death Benefit Protection For Your Dollar

What Is Term Life Insurance Policy?

Term life insurance policies provides death benefit coverage on an insured individual for a stated period of time. Dollar for dollar, term life insurance provides the largest amount of death benefit protection per dollar of premium spent. Term life insurance is pure insurance protection and does not accumulate cash value. Unlike permanent life insurance, which provides lifetime death benefit protection, term life insurance only pays a death benefit If the insured dies while the policy is in force and has no cash value when it ends. 

Term Life Insurance

Term life insurance is a great life insurance solution when large amounts of death benefit protection are needed for short periods of time, such as when you are raising a family. Term life could also be the best solution to start coverage for a long term life insurance need when cashflow isn’t available to purchase permanent life insurance immediately or while other estate planning issues are being resolved.

Why Buy Term Life Insurance Policy From Decision Tree Financial?

When you chose to work with Decision Tree Financial to buy life insurance, you will have the confidence knowing your going to get the best policy at the lowest possible overall cost. We work with over 100 Term life insurance companies to find you the best life insurance policy at the lowest possible cost. Talk to a Decision Tree Financial life insurance advisor or find out how much term life insurance you need and see how much term life insurance costs with our easy to use, no obligation term life insurance quote tool that will give you actual prices from over 30 of the life insurance carriers we work with.

There are several forms of term life insurance to consider. These are:

Provides level death benefits for a level premium for stated period of time. Generally purchased for 10-15-20 or 30 years.

Provides level death benefits for a level premium for a stated period of time without having to be stuck by a needle and go through a full medical exam!

Provides level death benefits for a level premium for a stated period of time but will return 100% of the premium if the insured does not pass away during the life of the contract.

A hybrid of both term and permanent life insurance, Guaranteed Universal Life Insurance Policy provide flexible death benefit protection with flexible premiums. Policy will stay in force even as long as planned premium is paid.