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Term Life Insurance

Take care of your family if you die, and even if you don’t.
Immediate payment to beneficiaries when you die
Flexibility in designing your plan
Covers the financial burdensome periods of your life
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 Instant, online, in minutes

A GOOD SOLID OPTION
An affordable, temporary option

Anyone between the ages of 18-65 is eligible! Term Life is ideal for anyone who wants to cover a specific time in their lives, perhaps when debts and financial obligations are highest. While it does expire at a date of your choosing, you have the option to renew or even change your plan for the better.

Why choose term life insurance?
Term Life Insurance is more affordable than other options, and you choose the length of time you want it to cover. It is ideal for those with young children.
Time periods for coverage range from 10-20 years or more. When you die, your beneficiaries receive a cash pay out tax-free. There are no restrictions on how they use this money so any number of possibilities exist:
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Fund their children’s university program
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Pay for an expensive lifestyle
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Cover funeral expenses
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Pay off bank loans or credit cards
Select the term that’s right for you.
Term life insurance covers you for 10- or 20-year periods. Once it expires, you can renew your coverage for another 10- or 20-year term until you’re 80 years old, at which point coverage expires (note: premiums will rise when you renew).

You can also convert our term life insurance policies into permanent life insurance or universal life insurance until you are 71 years old without answering questions about your health or taking a medical exam.

Get quotes for term life insurance

How much coverage do you need?

A general rule is 5-7 times your salary. So if your annual income is $40,000, you may want to purchase at least $200,000 in term life insurance. Contact us so we can discuss your specific needs.

We offer the following coverage options:

Term Life Insurance
Coverage under 250,000, with a 10- or 20-year term.
Coverage from $250,000, with a 10- or 20-year term.

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INSURANCE OPTIMAL
More Affordable than Whole Life Insurance
While Whole Life Insurance is guaranteed for life, Term Life is ideal for a fixed length of time, is more affordable, and offers a plan that can change if your life plans change.
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WHY BUY THROUGH INSURANCE OPTIMAL?
Simplified Life Insurance that Works
Life Insurance should free you to live your life. We offer numerous conveniences:
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Initiate your application in the comfort of your home
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Online support when you require it
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We help you sift through the jargon
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No delay in coverage beginning
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Insurance at affordable rates
SUPPORT
Not sure what insurance you need? We can help.
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Willing to answer a few questions?
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Talk to us about options and a quote
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Begin coverage immediately or save for later
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 100% no obligation to accept.

Get Life Insurance to take care of Your loved ones Income Protection Financial Security Wealth Creation Funeral Expenses And Much More...

World-class coverage that rewards you with
wealth while you’re alive.
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