Term Life Insurance provides the most coverage for the lowest initial cost. For example, a couple with young children and/or a mortgage might select term life insurance as an affordable way to obtain the full coverage they need today. Term life insurance policies do a good job of meeting immediate needs and have level premiums for 5, 10 or 20 years. Coverage ceases for the majority of term contracts once you reach the age of 75 or 80.

Term life insurance may provide the option to later move or convert to a permanent life insurance policy without providing proof of health. However, this ability to convert to permanent life insurance often expires around age 65 or 70. When purchasing term life insurance, you need to understand your conversion options.

King Insurance can help you decide which life insurance policy best suits your needs.For a no obligation quote, click the "Get a Quote" button on the right, and one of our certified financial planners will contact you within two business days.