Term Life Insurance

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance. Term insurance is the most affordable form of life insurance. It provides protection for a specific period of time and generally pays a benefit only if you die during the “term.” Because term life insurance is so inexpensive, it is ideal for larger face amounts, and it offers the most “bang for the buck”. Don’t take my word for it. Go ahead and run a quote and see for yourself. You have our promise that we would never sell or share your personal information.

Term with Return of Premium (ROP Term)

Regular term insurance offers excellent low-cost coverage for a specific period of time, but term insurance with Return Of Premium not only covers you during the term period, but it will also pay you back all of the premiums paid IF YOU ARE STILL ALIVE AT THE END OF THE TERM! Yes, it does cost a little more than zero cash back regular term, but when you consider that you can get ALL of the premiums you paid back on a completely TAX-FREE basis, it’s no wonder why this is one of the most popular types of policies. See our term quote engine for rates on these plans.

You can also give us a call at 443-807-7311, or email us to discuss whether a term policy with Return of Premium is a good fit for your particular situation.