Term Life Insurance

Term Life Insurance

and Return of Premium (ROP) Term​

Term Life Insurance is the best way to secure the most FULL coverage protection for you and your family.

 

There are four reasons why Term Life Insurance offers the best security:

1.) The most complete coverage and benefits, possible

2.) Coverage is higher than other types. Typically $100,000 – $1,000,000 or more.

3.) The option of ROP (Return of Premium) – Your money is returned to you if you survive the policy. This option costs more for obvious reasons.

Return of Premium Term Video:

4.) LIVING BENEFITS: Living Benefits protect you from health decline.

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

You are diagnosed with terminal cancer. Your insurance company immediately pays you $300,000 tax-free).

Terminal payout is one of many examples of “Living Benefits”.



Want a Term Life Insurance quote, without the hassle of a phone call?

          1. Text “term life quote” to (928) 323-0694
          2. Easily provide info from your mobile device
          3. Get your quote!
  1. Text “term life quote” to (928) 323-0694
  2. Easily provide info from your mobile device
  3. Get your quote!



The following video explains "Living Benefits"

Example Program:
Term Express, Return of Premium (ROP)
 

 

Program Highlights:

  • 100% Return of Premium – Guaranteed 100% of your paid premiums returned to you if you survive the policy
  • 100% full death protection
  • NO medical exam or waiting period
  • All payouts and ROP are 100% tax-free

It’s important to understand the differences between Whole Life Insurance & Term Life Insurance. As you can see, above, Term Life lasts a certain amount of time (“Term”). The length of the term depends on your current age, health, and your budget.

Whole life provides less coverage (Typically $10,000 – $40,000), lasts your entire life, and does not offer as many Living Benefits.

Some people qualify for Return of Premium Term Life Insurance. Qualifying depends upon age and health. Return of Premium Term costs more than Traditional Term programs, as ROP has the added security of returning your premiums/investment to you.

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.