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Term Life Insurance

Term life insurance is often the most affordable coverage because it offers protection for a specific number of years. You may want to purchase a term life insurance policy if you want to:

  • Get maximum coverage at an affordable price
  • Cover specific financial responsibilities like a mortgage or college expenses
  • Supplement your permanent life insurance during years when your expenses are higher, like when you have children or other dependents at home

Why term life insurance may be the right choice for you...

When considering life insurance, term life insurance is a good first choice especially for families just starting out. Term life insurance is an easy, affordable way to provide financial peace of mind for you and your family. It helps fill the gap left by the loss of your income and protects your assets.

Term life can also cover specific financial obligations that will disappear over time, such as a mortgage, wedding expenses, college tuition or loans. In short, term life insurance provides an excellent answer to the question: How will your family manage financially if you die prematurely?

Usually, term life insurance is offered for periods of 1, 5, 10, 15, 20 or 30 years. Due to term life insurance being temporary, it does not typically build cash value and therefore coverage is generally less expensive than permanent coverage (whole life or universal life - both forms of permanent life insurance). There's no commitment with term either. If you decide to end your coverage before the term is up, you can simply stop making payments and that's it there's nothing more to pay or any other obligations.

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First Infinity Coverage Group, Inc. • Insurance and Financial Services
1400 Wantagh Avenue • Suite 101 • Wantagh, NY 11793
T 516.882.1226 • F 516.804.6445 • E info@infinitycoverage.com

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