Protect Your Family's Future
Affordable term life insurance that provides maximum protection while allowing you to invest the difference for greater long-term wealth.
Why Term Life Insurance Is The Smart Choice
Term life insurance provides essential protection for your loved ones at a fraction of the cost of whole life, allowing you to invest the difference and build more wealth.
Significantly Lower Premiums
Term life insurance costs 5-15 times less than whole life for the same coverage amount, allowing you to allocate more money toward investments with higher returns.
Higher Coverage Amounts
With term life's affordability, you can purchase significantly more coverage to adequately protect your family during the years they need it most.
Better Investment Returns
By investing the premium difference in index funds or retirement accounts, you'll likely earn significantly higher returns than whole life's cash value component.
Greater Flexibility
Your investments remain liquid and accessible, unlike whole life's cash value which often takes years to build and comes with surrender charges and restrictions.
Temporary Coverage When Needed
Term life provides protection during your most financially vulnerable years when you have dependents, mortgages, and other major expenses.
Simple and Straightforward
Term life insurance is easy to understand with no complex investment components or hidden fees, making it a transparent financial protection solution.
Term Life Insurance Options
We offer a variety of term lengths to match your specific protection needs and financial goals.
10-Year Term
Short-term coverage ideal for specific financial obligations.
20-Year Term
Our most popular option, balancing affordability and duration.
30-Year Term
Maximum term coverage for long-term financial security.
Buy Term and Invest the Difference
Our recommended strategy for building wealth while protecting your family
How It Works
- Purchase affordable term life insurance
Get the coverage your family needs at a fraction of whole life's cost
- Calculate your premium savings
Determine how much you're saving compared to whole life premiums
- Invest the difference systematically
Put those savings into tax-advantaged accounts and low-cost index funds
- Build wealth over time
Watch your investments grow with typically higher returns than whole life
The Results
Example: 35-year-old male, $500,000 coverage
Term Life (20-year): ~$30/month ($360/year)
Whole Life: ~$500/month ($6,000/year)
Monthly Savings: $470
Invested Difference After 20 Years (7% average return): ~$245,000
That's $245,000 in additional wealth compared to a whole life policy!
Benefits of This Approach
- • Higher potential returns than whole life cash value
- • Complete liquidity and access to your money
- • Lower fees than whole life policies
- • Greater flexibility to adjust your investment strategy
- • Tax-advantaged growth through retirement accounts
Frequently Asked Questions
Get answers to common questions about term life insurance and our "buy term and invest the difference" philosophy.
Have more questions? Our insurance experts are here to help.
Contact UsProtect Your Family & Build Wealth
Get affordable term life insurance and expert guidance on investing the difference.