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Term Life

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Get coverage when you need it most,

when it makes the most sense.

Most people consider purchasing life insurance to protect the most important people in their lives. But as the future unfolds, you might not need the same coverage you do today. For example, if you have student loans, those might be paid off. If you have young children, they may have graduated. And if you’re starting your own business, it may have become a big success.

At Patriot Insurance, we’ll help you protect what matters most to you even after you’re gone … for a price that’s more affordable than you might think.

Term Life insurance offers a straightforward form of protection for a specific amount of time. A Term Life policy differs from a Whole Life policy in that it gives you coverage for a period of 10, 20 or 30 years, rather than a whole lifetime. Both Whole Life and Term Life can give your loved ones the protection they deserve, but Term Life insurance will help you do it more affordably.

Term Life insurance could be the right option for you if:

  • You have a young family with large insurance needs and limited funds.
  • You need protection for a period of time at an affordable rate.
  • You need protection to cover your debt.
  • Your loved ones would need help to pay for end-of-life expenses.
  • Your family would need a way to replace your income.
  • You need more insurance than your employer is able to provide. (Would $50,000 or whatever the amount ensure your family’s financial stability for the years ahead?)

After the initial term period (10, 20 or 30 years), you have the option to renew annually at a new premium each year until age 95. Additionally, our Term Life policies include a guaranteed conversion option during the level term period, provided the policy is converted to a permanent Whole Life policy before age 70. A Whole Life policy provides insurance protection for the rest of your life.

Calculate your coverage needs with our life insurance calculator. Or, talk to a local, independent agent to see if Term Life insurance is right for you.

Life insurance policies are written by our subsidiary, Patriot Life Insurance Company, which operates in many states in the Midwest, Southeast, and Northeast regions of the United States where Patriot Life is licensed. Learn more (including states where life insurance policies are available) here.

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