Term Life Insurance

At Term Life America Insurance, we have been dedicated to providing high-quality life insurance coverage since 1976. With over four decades of experience, we pride ourselves on sharing our knowledge and expertise to help our clients achieve their goals and objectives. We work with top-rated life insurance companies and impaired risk underwriters to ensure that our clients receive the best life insurance options available, at the most affordable premiums.

Our state-of-the-art program is designed to make the life insurance purchasing process fast, easy, and hassle-free. We start by providing you with a term life insurance quote that suits your needs and budget. Our online quotes are for term life insurance only, but we also provide quotes for permanent "cash value" life insurance upon request. We offer personalized tele-application for all companies, so you can complete the application process over the phone and avoid the unnecessary paperwork.

At Term Life America Insurance, we conduct our business according to a high standard of honesty and fairness. We provide competent and customer-focused sales and service, engage in active and fair competition, and provide advertising and sales materials that are clear, honest, and fair. We handle customer complaints and disputes fairly and expeditiously, and maintain a system of supervision and review that is designed to comply with the Health Insurance Portability and Accountability Act (HIPAA).

Our Services

We offer both term and permanent life insurance products to meet the needs of our clients, whether they are families or businesses. Our term life insurance policies provide coverage for a specific period of time, typically ranging from 10 to 30 years. These policies are ideal for individuals who need coverage for a certain amount of time, such as until their children are grown and financially independent. Our permanent life insurance policies provide coverage for the entire lifetime, and include features such as cash value accumulation, tax-free death benefits, and flexible premiums.

In addition to our life insurance products, we also offer disability insurance and long-term care insurance coverage. Disability insurance replaces a portion of your income if you become unable to work due to illness or injury. Long-term care insurance provides coverage for the costs of long-term care, such as nursing home or home health care expenses. These types of coverage provide peace of mind and financial security for individuals and families who want to protect their assets and maintain their independence.

At Term Life America Insurance, we work with impaired risk underwriters to provide coverage for individuals who have been declined by other life insurance companies, or who have impaired risks such as health conditions or high-risk occupations. We believe that everyone deserves access to quality life insurance coverage, regardless of their health or financial situation.

Our Values

At Term Life America Insurance, we are guided by a set of core values that reflect our commitment to our clients and our community. These values include honesty, integrity, fairness, and professionalism. We strive to provide our clients with the best possible service and support, and to maintain a high standard of ethics and integrity in all of our business dealings.

We are also committed to giving back to our community and supporting worthy causes. We support local organizations and charities that make a positive impact in the lives of individuals and families in our community. We believe that by working together, we can make a difference and create a better future for everyone.