Advantages of Term Life Insurance

Three key advantages of term life insurance:

1.) Term life insurance policies are easily understood and straight forward.  Decide the amount of coverage that is needed and for how long.  No messing around with cash values or rates of returns and tax issues.

2.) Affordability – the cost is very low compared to a permanent life insurance policy.  This leaves more money in your pocket to invest, or use for other family needs.  The costs are also level, which keeps this easy for financial planning and budgeting.

3.) Perfect for short term needs.  There are definite times in our lives when there are obvious unmanageable risks resulting from a premature death (child care needs, education funds, mortgage liability, etc…).  Term life insurance allows you to get coverage for just that period and level your costs for it.

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