Term Life Insurance

Term Life insurance can help you give your family peace of mind in knowing money wil be available to help pay off the mortgage due to loss of a loved one, or to help make the mortgage payments if you suffer a disability. In other words, you can protect everything you've worked hard to build right now.

TERM LIFE EXPRESS

YOU'VE WORKED HARD TO ESTABLISH A COMFORTABLE HOME AND LIFESTYLE FOR YOU FAMILY. SO WHY NOT PROTECT IT?

Term Life Expreslife insurance from United of Omaha Life Isurance Company can help you give your family peace of mind in knowing money wil be available to help pay off the mortgage if you die, or to help make the mortgage payments if you suffer a disability. In other words, you can protect everything you've worked hard to build right now.

TERM LIFE EXPRESS OFFERS:

  • Face amounts ranging from $50,000 to $1,000,000

  • Quick Application

  • Popular Features

  • Living Benefits, Such as Critical Illness and Disability

How Term Life Insurance Works

Term life insurance will pay out a specified lump sum to the person that you name as beneficiary in the event that you die before the policy expires. The payout is subject to a few exclusions, most often suicide or other self-inflicted conditions.

Other than deciding if you want guaranteed or renewable premiums, there’s no need to worry about other bells and whistles, so comparing policies is a simple matter of comparing premiums among the various life insurance providers.

How Much Coverage Do You Need?

The biggest decision you’ll face is how much life coverage you need. The general rule of thumb is that, at a bare minimum, you should provide at least enough to pay off your outstanding debts and cover your funeral expenses. The face value of your policy should cover any remainder on your mortgage and other debts, and provide a cushion to help your family get back on their feet financially after your death. If you have young children, you should also cover your expected annual salary multiplied by the number of years until the youngest is no longer financially dependent.

What Factors Are Considered In Assigning A Premium?

There are a number of factors that may affect how much you pay for your policy aside from the amount of the death benefit you choose. These include your age, your gender, the state of your health and any pre-existing conditions, and whether or not you smoke. Smokers can expect to pay higher premiums than those who don’t use tobacco products.

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