Term Life Insurance
When you know you want to provide life insurance benefits to your loved ones in the event you die prematurely, it's easy to find yourself confused by all of the different types of policies, and policy options, available.
Term life insurance can be an affordable way to provide some financial protection for a specific period of time.
What Is Term Life Insurance?
Term life insurance coverage is just what it sounds like: life insurance for a specified policy term. The coverage is in effect for a term of years that you choose up front, usually ranging from 10-30 years. If you die while the policy is in force, the insurance company pays death benefits to your named beneficiaries.
As you go through life, your insurance needs change.
The reasons for buying universal life insurance are almost as varied as the number of policies available for purchase.
Just like other forms of insurance, you'll need to apply for coverage and pay an initial premium. Once your policy is in-force, you'll need to make periodic premium payments to keep your life insurance benefits.
Choose Symmetry For Term Life Insurance
There are a lot of insurance agents and brokers offering to sell you their own company's life insurance policies. Symmetry Financial Group is different. As a truly independent insurance provider, we have access to policies from over 30 different life insurance carriers. These options allow you to shop around and find the policy that works best for you.
At Symmetry Financial Group, our clients always come first. We take the time to get to know each of our clients and understand their needs and goals before recommending any insurance solutions. We believe that helps us better serve you, because we're able to offer a variety of coverage options and solutions to meet your specific needs.
Would You Like to
Q: What are the advantages of
Term Life Insurance?
One of the biggest advantages of term life insurance is its affordability. Insurance companies can offer lower premium rates for term insurance coverage than for permanent policies because the odds of death during the policy term favor the insurance company. Term life insurance policies are also a great way to maintain flexibility: you can adjust the policy according to your changing needs. If you realize more permanent coverage is a better option for you, most in-force term life insurance policies can be converted to permanent life insurance.
• It can be used to supplement life insurance coverage provided by
• your employer
• Policies provide a fixed death benefit for a time period that you
• choose up-front
• In addition to the specified "face amount" death benefit, your
• policy may include a return of premium option
• Some policies also offer other coverage options including critical
• illness and disability insurance protection
Of course, there are a lot of policies and policy options to choose from. When you're considering purchasing a term life insurance policy, you'll want to keep your financial situation in mind and select coverage that best meets your needs.
Q: Do I qualify for Term Life
When you apply for any type of life insurance, you need to answer some basic questions about your health and lifestyle. Most people who are generally healthy will qualify for coverage. You may still qualify for term life insurance if you have some existing health problems, although your premium will likely be higher.
Q: When should I buy Term Life Insurance?
Q: Can I afford Term
Please fill out the short form so we can provide you with the policy options
Our eight core values are the
driving force behind everything we do.
View our interactive timeline to
The Hechler Agency
• Mortgage Protection
• Final Expense
• Term Life Insurance
• Universal Life Insurance
• Disability Insurance
• Critical Illness Insurance
• Retirement Protection
The Hechler Agency
Phone: (530) 431-2626
No agent’s success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.