Term Life Insurance

A Term Life plan is the easiest most affordable type of life insurance available for protecting you and your family from hardship resulting from the tragic inevitability of life.

There are many reasons you may pick this type of coverage for your family. Most of us have us have heard of Whole Life Policies.

They can be a great for of protection,  but are not for everyone or everyone’s budget. Term Insurance is nothing like that.

With Term Insurance you decide how much you can afford to buy and for how many years you want to keep it going. So, for example….say you are the bread winner and something happens to you….how much would your spouse and kids need to continue at their present quality of life without your earnings?

Think about how much you earn in a year and how many years they would need this money to be there for them. Or think what if something happened to the “stay at home parent”. If something happened to that person, how would you pay for child care while your working to keep your family and household going?

You might just want a Term Life Insurance policy in place as extra protection for your family until your kids are grown and on their own. Or maybe until your retirement funds become available. For a young family, this may be the first step in protecting your family and you may decide to switch to a whole life plan in the future when it becomes affordable to you. But, many people choose to stick with their Term Life Insurance for the long haul because most people can fit it into their budget.

At FHIA we have choices. We don’t have just one carrier but several options and term life carriers,  so that we can shop and make informed decisions together.

Call and let us help you:

(813) 571-5702

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