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Term life insurance is protection at a price you can afford.

What is term life insurance?

Term life insurance offers the greatest coverage for the lowest initial price and is a great solution for people with temporary needs or a limited budget. As the name implies, term life insurance provides protection for a specific period of time and generally pays a benefit only if you die during the "term." Term periods typically range from one year to 40 years, with 20 years being the most common term.

I want to learn more about life insurance.

Think about your longest financial obligation. If you have a 30-year mortgage, you may want to cover that with 30 years of term life insurance. Or, if you don't have a mortgage, think about how many years of income you would need to replace to provide for your family if something were to happen to you.
As with all life insurance policies, you pay premiums on your policy every year. But with term life insurance, there's one important difference: you pay premiums only for the length of the term. When the term ends, your premiums end, and so does your coverage. That means, if you were to die before the end of the term, your beneficiaries would receive the death benefit.

Because term life insurance provides coverage for a set period of time, it is easy to understand and is often the most affordable option, making it one of the most popular types of life insurance.

Lower premiums give you the ability to meet your financial obligations today, while still protecting your family's future tomorrow. So while you continue to save for college, pay your mortgage, take family vacations, and do all the other things families do, you can rest easy, knowing that should the unexpected occur - the mortgage, college and even funeral costs will be covered.

What is term life insurance best for?

Young adults with kids to send to college College tuition is ever-increasing, so having a regular savings plan is always recommended. A term life insurance plan can help cover your child's college education if something were to happen to you.
Folks with mortgage or other debt Having life insurance coverage may help cover future mortgage payments, keeping your family in the home they love.
Income replacement for surviving spouse Term life insurance aims at fulfilling your obligations today, and your family's needs tomorrow.
Buying more coverage on a budget Buy a term life insurance policy for up to 30 years with low premiums and flexible payment options.

How do I buy term life insurance?

Buying life insurance doesn't have to be complicated. We make it easy for you to protect your family's financial future.

We've outlined the basics steps to get you moving in the right direction:

  1. Find out how much term life insurance will cost you online or if you'd like to speak with a licensed life insurance agent to get some advice, give us a call toll-free at 1-888-984-3393.
  2. Once you've determined your needs and gotten a quote, a follow up interview will be scheduled at your convenience.
  3. During the application process, you may have to complete a free medical evaluation in your home or medical facility near you.
  4. Once you've provided the required information, it will be reviewed as part of the underwriting process. If you're approved, you’ll be notified of your final health class and determine your premiums.
  5. After approval, you'll receive a copy of your policy. To activate your coverage, sign and return it along with your first premium payment. You’re covered!

What makes us different?

We understand that this is a big decision, so you should feel confident that the company you choose to protect your family’s financial future will be around in 20 or 30 years to fulfill your policy, if needed.

Legal & General America is:

  • Affordable.

    We’re a leader in low cost, high quality life insurance.
  • Simple.

    We make term life insurance protection easy to understand and easy to purchase.
  • Convenient.

    You get to decide how often to pay for your policy. Never have to worry about missing a payment with our electronic funds transfer payment method. You can check your policy online, too!
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Our goal is to provide insight into life's common questions and serve as a resource for those exploring opportunities to protect their family's long-term future.

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