Lock in a fixed rate for 10, 20, or 30 years. If something happens to you, your family gets a lump sum, generally income tax free, to replace your paycheck and keep the house.
Get my free quoteCall 1-877-708-4876You pick how much coverage and for how long. Your rate stays the same the entire time.
10, 15, 20, 25, or 30 years. Most people match it to their mortgage or to when the kids will be on their own.
A common starting point is 10 times your income plus your mortgage and debts. We'll help you find the right number.
Your premium is set on day one and never goes up during the term, no matter what happens to your health.
Many policies let you convert to permanent coverage later without a new medical exam, and many include living benefits for serious illness.
Takes about a minute. A licensed agent will reach out with your options.
Match it to your biggest obligation. If your mortgage has 25 years left or your youngest is 5, a 20 to 30 year term usually makes sense.
Coverage ends and you stop paying. Some policies let you renew year by year at a higher rate, or convert to permanent coverage before the term ends.
Not always. Many carriers offer coverage with no exam based on a few health questions and database checks. Larger amounts may require one.
For healthy people in their 20s, 30s, and 40s, term is usually the lowest cost way to get a large amount of protection. Rates rise with age, so locking in sooner saves money.
Most families end up with a mix. We'll help you sort it out on a quick call.
Vincent Dinh, Licensed Life Insurance Agent. CA License #0G06700. NPN #10433013. Lani Kai Group is an independent insurance agency serving clients in all 50 states and the District of Columbia through agents licensed in each client's state. Products and coverage are not available in all states.
Coverage, rates, and eligibility are determined by the issuing insurance company and are subject to underwriting. This page is for informational purposes only and is not a guarantee of coverage or price. Lani Kai Group does not offer variable products or securities, and does not provide tax or legal advice.
Term life insurance provides coverage for a specified period and has no cash value. Renewal, conversion, and living benefit options vary by carrier, policy, and state.