Term Life Insurance is the best and most affordable way to protect the ones you love. There are many options to choose from, and most cases rates start at under $20 a month. Term Life insurance lasts for 10-30 years and because it is a term, it helps keep the costs affordable and keep it within your budget. Term coverage is for a specific period of time.

As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “tune-up” include:

You recently married or divorced
You have a new child or grandchild
You have opened or expanded a business
Your health or your spouse’s health has deteriorated
You are providing care or financial assistance to a parent
Your child or grandchild requires assistance or long-term care
You recently purchased a new home
You are planning for a child or grandchild’s education
You are concerned about retirement income
You have refinanced your home mortgage in the past six months
You or your spouse recently received an inheritance
You have a sizable estate

Having the right life insurance is essential to planning for your present and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.