Term Life Insurance: Realty Finserv

Term Life Insurance

Term life insurance is a type of life insurance policy that provides coverage for a specific period, typically ranging from 10 to 30 years. If the insured individual passes away during the term of the policy, the beneficiaries receive a tax-free death benefit, which can be used to cover living expenses, pay off debts, fund education costs, or provide financial security for the family.

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How it Works

We provide online instant cash loans with quick approval that suit your term

Assessment and Recommendation

Based on the information gathered during the initial consultation, our advisors will assess your insurance needs and recommend suitable insurance products that align with your requirements and budget.

Application Submission

Once you've chosen the insurance products that best meet your needs, we'll assist you in completing the application forms and gathering any necessary documentation.

Policy Issuance

Once the underwriting process is complete and your application is approved, the insurance provider will issue your policy

Frequently ask

Term life insurance provides coverage for a specific period, while whole life insurance offers coverage for the insured's entire life. Term life insurance is typically more affordable and straightforward, whereas whole life insurance includes an investment component and may have higher premiums.

The amount of coverage you need depends on various factors, including your income, expenses, debts, and financial goals. Our advisors at Realty FinServ can help you assess your needs and determine an appropriate coverage amount.

Many term life insurance policies offer the option to renew the policy at the end of the term, although premiums may increase upon renewal. Additionally, some policies may include a conversion option, allowing you to convert your term policy into a permanent life insurance policy without undergoing a medical exam.

If you outlive your term life insurance policy, the coverage will expire, and no benefits will be paid out. However, you may have the option to renew the policy, convert it to a permanent policy, or purchase a new term policy depending on your age and health status at the time.