Term Life Insurance
and Return of Premium (ROP) Term
Term Life Insurance is a great way to secure the most FULL coverage protection for you and your family, possible.
There are four reasons that Term Life Insurance is by far the best decision when you qualify:
1.) Term Life Insurance provides the most complete/full coverage and benefits, out of all life insurance types
2.) Term Life Insurance coverage amounts are higher than other types. Typically $100,000 – $1,000,000 or more.
3.) Term Life Insurance plans offer ROP (Return of Premium) – A fancy way of saying YOU GET ALL OF YOUR MONEY BACK IF YOU DON’T DIE
Return of Premium Term Video:
4.) If you become terminally, critically or chronically ill, most insurance companies will pay you at that time.
Example: You get a $300,000, 30 year term life insurance policy
Any time during the 30 years, your doctor diagnosis terminal cancer. Your insurance company pays you $300,000).
Terminal payout is 1 of many “Living Benefits”.
Living Benefits are by far the most important benefit of Term Life Insurance, as many conditions and situations are covered.
Want a Term Life Insurance quote, without the hassle of a phone call?
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- Text “term life quote” to (928) 323-0694
- Easily provide info from your mobile device
- Get your quote!
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- Text “term life quote” to (928) 323-0694
- Easily provide info from your mobile device
- Get your quote!
The following video explains "Living Benefits"
It’s important to understand the differences between Whole Life Insurance & Term Life Insurance. As you can see pictured above, Term Life lasts a certain amount of time between 10 – 30 years. This duration depends on what your current age is, and your budget.
Whole life provides less coverage (Typically $10,000 – $40,000) and lasts your entire life. It never expires and the price never changes. It accumulates cash value that you can use as a “loan” to yourself or more commonly it is used to make the payments on your behalf so you don’t have to, later.
Some people qualify for Term Life Insurance Return of Premium. Qualifying depends upon age and health. Return of Premium Term costs more than Traditional Term, as it has all the same benefits, but also returns your premiums/investment to you, in the future.
Example: $250,000 20 Year Traditional Term Life Insurance
(Without Return of Premium)
*Please note that these rates are not updated prices. For YOUR accurate quote, speak with or text a Protect With Insurance agent at (928) 323-0933.
Example: $250,000 20 Year Return of Premium Term Life Insurance
*Please note that these rates are not updated prices. For YOUR accurate quote, speak with or text a Protect With Insurance agent at (928) 323-0933.
